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$8,963
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,242
−HK$283/mo
Today · 4.125%
HK$9,525
baseline
▲ 0.50% · 4.625%
HK$10,105
+HK$580/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,050/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$9,971
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,239
−HK$271/mo
Today · 4.125%
HK$10,510
baseline
▲ 0.50% · 4.625%
HK$11,064
+HK$554/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,020/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$10,756
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,090
−HK$340/mo
Today · 4.125%
HK$11,430
baseline
▲ 0.50% · 4.625%
HK$12,126
+HK$696/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,860/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,966
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,287
−HK$325/mo
Today · 4.125%
HK$12,612
baseline
▲ 0.50% · 4.625%
HK$13,277
+HK$665/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,224/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,548
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,939
−HK$396/mo
Today · 4.125%
HK$13,335
baseline
▲ 0.50% · 4.625%
HK$14,147
+HK$812/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,670/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$13,960
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,334
−HK$380/mo
Today · 4.125%
HK$14,714
baseline
▲ 0.50% · 4.625%
HK$15,490
+HK$776/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,428/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$16,134
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,636
−HK$509/mo
Today · 4.125%
HK$17,145
baseline
▲ 0.50% · 4.625%
HK$18,189
+HK$1,044/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$34,290/mo (50% DSR)
Upfront cash ≈ HK$393K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,949
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,430
−HK$488/mo
Today · 4.125%
HK$18,918
baseline
▲ 0.50% · 4.625%
HK$19,915
+HK$997/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$37,836/mo (50% DSR)
Upfront cash ≈ HK$393K (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).