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$8,980
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,259
−HK$284/mo
Today · 4.125%
HK$9,543
baseline
▲ 0.50% · 4.625%
HK$10,123
+HK$580/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,086/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$9,990
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,258
−HK$271/mo
Today · 4.125%
HK$10,529
baseline
▲ 0.50% · 4.625%
HK$11,085
+HK$556/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,058/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$10,776
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,111
−HK$340/mo
Today · 4.125%
HK$11,451
baseline
▲ 0.50% · 4.625%
HK$12,148
+HK$697/mo
Deposit HK$1.58M · loan HK$2.36M · min. income ≈ HK$22,902/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$11,988
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,309
−HK$326/mo
Today · 4.125%
HK$12,635
baseline
▲ 0.50% · 4.625%
HK$13,301
+HK$666/mo
Deposit HK$1.58M · loan HK$2.36M · min. income ≈ HK$25,270/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$12,572
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,963
−HK$397/mo
Today · 4.125%
HK$13,360
baseline
▲ 0.50% · 4.625%
HK$14,173
+HK$813/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,720/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$13,986
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,361
−HK$380/mo
Today · 4.125%
HK$14,741
baseline
▲ 0.50% · 4.625%
HK$15,518
+HK$777/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,482/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$16,163
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,666
−HK$511/mo
Today · 4.125%
HK$17,177
baseline
▲ 0.50% · 4.625%
HK$18,222
+HK$1,045/mo
Deposit HK$394K · loan HK$3.54M · min. income ≈ HK$34,354/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$17,982
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,464
−HK$489/mo
Today · 4.125%
HK$18,953
baseline
▲ 0.50% · 4.625%
HK$19,952
+HK$999/mo
Deposit HK$394K · loan HK$3.54M · min. income ≈ HK$37,906/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).