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$8,914
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,192
−HK$281/mo
Today · 4.125%
HK$9,473
baseline
▲ 0.50% · 4.625%
HK$10,050
+HK$577/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,946/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$9,917
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,183
−HK$270/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$10,697
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,030
−HK$338/mo
Today · 4.125%
HK$11,368
baseline
▲ 0.50% · 4.625%
HK$12,060
+HK$692/mo
Deposit HK$1.56M · loan HK$2.35M · min. income ≈ HK$22,736/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$11,900
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,220
−HK$323/mo
Today · 4.125%
HK$12,543
baseline
▲ 0.50% · 4.625%
HK$13,205
+HK$662/mo
Deposit HK$1.56M · loan HK$2.35M · min. income ≈ HK$25,086/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$12,480
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,868
−HK$395/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$13,884
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,256
−HK$378/mo
Today · 4.125%
HK$14,634
baseline
▲ 0.50% · 4.625%
HK$15,405
+HK$771/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$29,268/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$16,046
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,545
−HK$507/mo
Today · 4.125%
HK$17,052
baseline
▲ 0.50% · 4.625%
HK$18,090
+HK$1,038/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$34,104/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$17,851
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,329
−HK$486/mo
Today · 4.125%
HK$18,815
baseline
▲ 0.50% · 4.625%
HK$19,807
+HK$992/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$37,630/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).