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$8,915
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,192
−HK$282/mo
Today · 4.125%
HK$9,474
baseline
▲ 0.50% · 4.625%
HK$10,050
+HK$576/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,948/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,918
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,184
−HK$269/mo
Today · 4.125%
HK$10,453
baseline
▲ 0.50% · 4.625%
HK$11,004
+HK$551/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,906/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,698
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,031
−HK$338/mo
Today · 4.125%
HK$11,369
baseline
▲ 0.50% · 4.625%
HK$12,060
+HK$691/mo
Deposit HK$1.56M · loan HK$2.35M · min. income ≈ HK$22,738/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,901
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,220
−HK$324/mo
Today · 4.125%
HK$12,544
baseline
▲ 0.50% · 4.625%
HK$13,205
+HK$661/mo
Deposit HK$1.56M · loan HK$2.35M · min. income ≈ HK$25,088/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,481
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,869
−HK$394/mo
Today · 4.125%
HK$13,263
baseline
▲ 0.50% · 4.625%
HK$14,070
+HK$807/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$26,526/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,885
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,257
−HK$378/mo
Today · 4.125%
HK$14,635
baseline
▲ 0.50% · 4.625%
HK$15,406
+HK$771/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$29,270/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,047
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,546
−HK$507/mo
Today · 4.125%
HK$17,053
baseline
▲ 0.50% · 4.625%
HK$18,091
+HK$1,038/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$34,106/mo (50% DSR)
Upfront cash ≈ HK$391K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,852
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,331
−HK$485/mo
Today · 4.125%
HK$18,816
baseline
▲ 0.50% · 4.625%
HK$19,808
+HK$992/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$37,632/mo (50% DSR)
Upfront cash ≈ HK$391K (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).