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$8,964
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,243
−HK$283/mo
Today · 4.125%
HK$9,526
baseline
▲ 0.50% · 4.625%
HK$10,106
+HK$580/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,052/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$9,972
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,240
−HK$271/mo
Today · 4.125%
HK$10,511
baseline
▲ 0.50% · 4.625%
HK$11,065
+HK$554/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,022/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$10,757
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,091
−HK$340/mo
Today · 4.125%
HK$11,431
baseline
▲ 0.50% · 4.625%
HK$12,127
+HK$696/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,862/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$11,967
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,287
−HK$326/mo
Today · 4.125%
HK$12,613
baseline
▲ 0.50% · 4.625%
HK$13,278
+HK$665/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,226/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$12,549
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,940
−HK$396/mo
Today · 4.125%
HK$13,336
baseline
▲ 0.50% · 4.625%
HK$14,148
+HK$812/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,672/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$13,961
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,335
−HK$380/mo
Today · 4.125%
HK$14,715
baseline
▲ 0.50% · 4.625%
HK$15,491
+HK$776/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,430/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$16,135
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,637
−HK$510/mo
Today · 4.125%
HK$17,147
baseline
▲ 0.50% · 4.625%
HK$18,190
+HK$1,043/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$34,294/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$17,950
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,431
−HK$489/mo
Today · 4.125%
HK$18,920
baseline
▲ 0.50% · 4.625%
HK$19,917
+HK$997/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$37,840/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).