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$8,969
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,248
−HK$284/mo
Today · 4.125%
HK$9,532
baseline
▲ 0.50% · 4.625%
HK$10,112
+HK$580/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,064/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$9,978
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,246
−HK$272/mo
Today · 4.125%
HK$10,518
baseline
▲ 0.50% · 4.625%
HK$11,072
+HK$554/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,036/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$10,763
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,098
−HK$340/mo
Today · 4.125%
HK$11,438
baseline
▲ 0.50% · 4.625%
HK$12,134
+HK$696/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,876/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$11,974
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,295
−HK$326/mo
Today · 4.125%
HK$12,621
baseline
▲ 0.50% · 4.625%
HK$13,286
+HK$665/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,242/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$12,557
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,948
−HK$397/mo
Today · 4.125%
HK$13,345
baseline
▲ 0.50% · 4.625%
HK$14,157
+HK$812/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,690/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$13,970
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,344
−HK$381/mo
Today · 4.125%
HK$14,725
baseline
▲ 0.50% · 4.625%
HK$15,501
+HK$776/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,450/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$16,145
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,647
−HK$510/mo
Today · 4.125%
HK$17,157
baseline
▲ 0.50% · 4.625%
HK$18,201
+HK$1,044/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$34,314/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$17,961
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,443
−HK$489/mo
Today · 4.125%
HK$18,932
baseline
▲ 0.50% · 4.625%
HK$19,929
+HK$997/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$37,864/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).