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$8,981
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,261
−HK$284/mo
Today · 4.125%
HK$9,545
baseline
▲ 0.50% · 4.625%
HK$10,125
+HK$580/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,090/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$9,992
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,260
−HK$271/mo
Today · 4.125%
HK$10,531
baseline
▲ 0.50% · 4.625%
HK$11,087
+HK$556/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,062/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$10,778
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,113
−HK$340/mo
Today · 4.125%
HK$11,453
baseline
▲ 0.50% · 4.625%
HK$12,150
+HK$697/mo
Deposit HK$1.58M · loan HK$2.36M · min. income ≈ HK$22,906/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$11,990
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,312
−HK$326/mo
Today · 4.125%
HK$12,638
baseline
▲ 0.50% · 4.625%
HK$13,304
+HK$666/mo
Deposit HK$1.58M · loan HK$2.36M · min. income ≈ HK$25,276/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$12,574
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,965
−HK$397/mo
Today · 4.125%
HK$13,362
baseline
▲ 0.50% · 4.625%
HK$14,175
+HK$813/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,724/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$13,988
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,363
−HK$381/mo
Today · 4.125%
HK$14,744
baseline
▲ 0.50% · 4.625%
HK$15,521
+HK$777/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,488/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$16,166
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,669
−HK$511/mo
Today · 4.125%
HK$17,180
baseline
▲ 0.50% · 4.625%
HK$18,226
+HK$1,046/mo
Deposit HK$394K · loan HK$3.54M · min. income ≈ HK$34,360/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$17,985
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,467
−HK$490/mo
Today · 4.125%
HK$18,957
baseline
▲ 0.50% · 4.625%
HK$19,956
+HK$999/mo
Deposit HK$394K · loan HK$3.54M · min. income ≈ HK$37,914/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).