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$8,967
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,246
−HK$284/mo
Today · 4.125%
HK$9,530
baseline
▲ 0.50% · 4.625%
HK$10,110
+HK$580/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,060/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$9,976
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,244
−HK$271/mo
Today · 4.125%
HK$10,515
baseline
▲ 0.50% · 4.625%
HK$11,069
+HK$554/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,030/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$10,761
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,096
−HK$340/mo
Today · 4.125%
HK$11,436
baseline
▲ 0.50% · 4.625%
HK$12,132
+HK$696/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,872/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$11,971
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,292
−HK$326/mo
Today · 4.125%
HK$12,618
baseline
▲ 0.50% · 4.625%
HK$13,283
+HK$665/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,236/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$12,554
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,945
−HK$397/mo
Today · 4.125%
HK$13,342
baseline
▲ 0.50% · 4.625%
HK$14,154
+HK$812/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,684/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$13,967
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,341
−HK$380/mo
Today · 4.125%
HK$14,721
baseline
▲ 0.50% · 4.625%
HK$15,497
+HK$776/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,442/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$16,141
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,643
−HK$511/mo
Today · 4.125%
HK$17,154
baseline
▲ 0.50% · 4.625%
HK$18,197
+HK$1,043/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$34,308/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$17,957
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,439
−HK$488/mo
Today · 4.125%
HK$18,927
baseline
▲ 0.50% · 4.625%
HK$19,925
+HK$998/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$37,854/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).