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$8,988
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,268
−HK$284/mo
Today · 4.125%
HK$9,552
baseline
▲ 0.50% · 4.625%
HK$10,133
+HK$581/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,104/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$9,999
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,267
−HK$272/mo
Today · 4.125%
HK$10,539
baseline
▲ 0.50% · 4.625%
HK$11,095
+HK$556/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,078/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$10,786
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,121
−HK$341/mo
Today · 4.125%
HK$11,462
baseline
▲ 0.50% · 4.625%
HK$12,160
+HK$698/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,924/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$11,999
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,321
−HK$326/mo
Today · 4.125%
HK$12,647
baseline
▲ 0.50% · 4.625%
HK$13,314
+HK$667/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,294/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$12,583
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,975
−HK$398/mo
Today · 4.125%
HK$13,373
baseline
▲ 0.50% · 4.625%
HK$14,186
+HK$813/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,746/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$13,999
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,374
−HK$381/mo
Today · 4.125%
HK$14,755
baseline
▲ 0.50% · 4.625%
HK$15,533
+HK$778/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,510/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$16,179
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,682
−HK$511/mo
Today · 4.125%
HK$17,193
baseline
▲ 0.50% · 4.625%
HK$18,239
+HK$1,046/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$34,386/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$17,999
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,481
−HK$490/mo
Today · 4.125%
HK$18,971
baseline
▲ 0.50% · 4.625%
HK$19,971
+HK$1,000/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$37,942/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).