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$8,913
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,190
−HK$282/mo
Today · 4.125%
HK$9,472
baseline
▲ 0.50% · 4.625%
HK$10,049
+HK$577/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,944/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$9,916
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,182
−HK$270/mo
Today · 4.125%
HK$10,452
baseline
▲ 0.50% · 4.625%
HK$11,002
+HK$550/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,904/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$10,696
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,029
−HK$338/mo
Today · 4.125%
HK$11,367
baseline
▲ 0.50% · 4.625%
HK$12,058
+HK$691/mo
Deposit HK$1.56M · loan HK$2.35M · min. income ≈ HK$22,734/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$11,899
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,218
−HK$324/mo
Today · 4.125%
HK$12,542
baseline
▲ 0.50% · 4.625%
HK$13,203
+HK$661/mo
Deposit HK$1.56M · loan HK$2.35M · min. income ≈ HK$25,084/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$12,478
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,867
−HK$394/mo
Today · 4.125%
HK$13,261
baseline
▲ 0.50% · 4.625%
HK$14,068
+HK$807/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$26,522/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$13,882
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,255
−HK$377/mo
Today · 4.125%
HK$14,632
baseline
▲ 0.50% · 4.625%
HK$15,403
+HK$771/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$29,264/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$16,044
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,543
−HK$507/mo
Today · 4.125%
HK$17,050
baseline
▲ 0.50% · 4.625%
HK$18,087
+HK$1,037/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$34,100/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$17,849
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,327
−HK$486/mo
Today · 4.125%
HK$18,813
baseline
▲ 0.50% · 4.625%
HK$19,804
+HK$991/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$37,626/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).