The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$8,983
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,262
−HK$284/mo
Today · 4.125%
HK$9,546
baseline
▲ 0.50% · 4.625%
HK$10,127
+HK$581/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,092/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,993
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,261
−HK$272/mo
Today · 4.125%
HK$10,533
baseline
▲ 0.50% · 4.625%
HK$11,089
+HK$556/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,066/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,780
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,115
−HK$341/mo
Today · 4.125%
HK$11,456
baseline
▲ 0.50% · 4.625%
HK$12,153
+HK$697/mo
Deposit HK$1.58M · loan HK$2.36M · min. income ≈ HK$22,912/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,992
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,314
−HK$326/mo
Today · 4.125%
HK$12,640
baseline
▲ 0.50% · 4.625%
HK$13,306
+HK$666/mo
Deposit HK$1.58M · loan HK$2.36M · min. income ≈ HK$25,280/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,576
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,967
−HK$398/mo
Today · 4.125%
HK$13,365
baseline
▲ 0.50% · 4.625%
HK$14,178
+HK$813/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,730/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,991
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,366
−HK$381/mo
Today · 4.125%
HK$14,747
baseline
▲ 0.50% · 4.625%
HK$15,524
+HK$777/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,494/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,169
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,672
−HK$511/mo
Today · 4.125%
HK$17,183
baseline
▲ 0.50% · 4.625%
HK$18,229
+HK$1,046/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$34,366/mo (50% DSR)
Upfront cash ≈ HK$394K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,988
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,471
−HK$489/mo
Today · 4.125%
HK$18,960
baseline
▲ 0.50% · 4.625%
HK$19,959
+HK$999/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$37,920/mo (50% DSR)
Upfront cash ≈ HK$394K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).