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$8,998
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,278
−HK$285/mo
Today · 4.125%
HK$9,563
baseline
▲ 0.50% · 4.625%
HK$10,145
+HK$582/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,126/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$10,011
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,279
−HK$273/mo
Today · 4.125%
HK$10,552
baseline
▲ 0.50% · 4.625%
HK$11,108
+HK$556/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,104/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$10,798
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,134
−HK$341/mo
Today · 4.125%
HK$11,475
baseline
▲ 0.50% · 4.625%
HK$12,174
+HK$699/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,950/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$12,013
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,335
−HK$327/mo
Today · 4.125%
HK$12,662
baseline
▲ 0.50% · 4.625%
HK$13,329
+HK$667/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,324/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$12,598
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,990
−HK$398/mo
Today · 4.125%
HK$13,388
baseline
▲ 0.50% · 4.625%
HK$14,202
+HK$814/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,776/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$14,015
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,391
−HK$381/mo
Today · 4.125%
HK$14,772
baseline
▲ 0.50% · 4.625%
HK$15,551
+HK$779/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,544/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$16,197
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,701
−HK$512/mo
Today · 4.125%
HK$17,213
baseline
▲ 0.50% · 4.625%
HK$18,260
+HK$1,047/mo
Deposit HK$395K · loan HK$3.55M · min. income ≈ HK$34,426/mo (50% DSR)
Upfront cash ≈ HK$395K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,019
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,502
−HK$491/mo
Today · 4.125%
HK$18,993
baseline
▲ 0.50% · 4.625%
HK$19,994
+HK$1,001/mo
Deposit HK$395K · loan HK$3.55M · min. income ≈ HK$37,986/mo (50% DSR)
Upfront cash ≈ HK$395K (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).