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$8,986
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,265
−HK$284/mo
Today · 4.125%
HK$9,549
baseline
▲ 0.50% · 4.625%
HK$10,130
+HK$581/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,098/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$9,996
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,264
−HK$272/mo
Today · 4.125%
HK$10,536
baseline
▲ 0.50% · 4.625%
HK$11,092
+HK$556/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,072/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$10,783
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,118
−HK$341/mo
Today · 4.125%
HK$11,459
baseline
▲ 0.50% · 4.625%
HK$12,156
+HK$697/mo
Deposit HK$1.58M · loan HK$2.36M · min. income ≈ HK$22,918/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$11,996
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,317
−HK$327/mo
Today · 4.125%
HK$12,644
baseline
▲ 0.50% · 4.625%
HK$13,310
+HK$666/mo
Deposit HK$1.58M · loan HK$2.36M · min. income ≈ HK$25,288/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$12,580
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,971
−HK$398/mo
Today · 4.125%
HK$13,369
baseline
▲ 0.50% · 4.625%
HK$14,182
+HK$813/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,738/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$13,995
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,370
−HK$381/mo
Today · 4.125%
HK$14,751
baseline
▲ 0.50% · 4.625%
HK$15,528
+HK$777/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,502/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$16,174
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,677
−HK$511/mo
Today · 4.125%
HK$17,188
baseline
▲ 0.50% · 4.625%
HK$18,234
+HK$1,046/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$34,376/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$17,993
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,476
−HK$489/mo
Today · 4.125%
HK$18,965
baseline
▲ 0.50% · 4.625%
HK$19,965
+HK$1,000/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$37,930/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).