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$8,962
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,241
−HK$283/mo
Today · 4.125%
HK$9,524
baseline
▲ 0.50% · 4.625%
HK$10,104
+HK$580/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,048/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$9,970
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,238
−HK$271/mo
Today · 4.125%
HK$10,509
baseline
▲ 0.50% · 4.625%
HK$11,063
+HK$554/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,018/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$10,754
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,089
−HK$340/mo
Today · 4.125%
HK$11,429
baseline
▲ 0.50% · 4.625%
HK$12,124
+HK$695/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,858/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$11,964
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,285
−HK$326/mo
Today · 4.125%
HK$12,611
baseline
▲ 0.50% · 4.625%
HK$13,275
+HK$664/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,222/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$12,547
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,937
−HK$397/mo
Today · 4.125%
HK$13,334
baseline
▲ 0.50% · 4.625%
HK$14,145
+HK$811/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,668/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$13,958
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,333
−HK$379/mo
Today · 4.125%
HK$14,712
baseline
▲ 0.50% · 4.625%
HK$15,488
+HK$776/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,424/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$16,132
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,633
−HK$510/mo
Today · 4.125%
HK$17,143
baseline
▲ 0.50% · 4.625%
HK$18,186
+HK$1,043/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$34,286/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$17,946
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,428
−HK$488/mo
Today · 4.125%
HK$18,916
baseline
▲ 0.50% · 4.625%
HK$19,913
+HK$997/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$37,832/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).