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$8,906
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,183
−HK$281/mo
Today · 4.125%
HK$9,464
baseline
▲ 0.50% · 4.625%
HK$10,040
+HK$576/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,928/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$9,908
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,173
−HK$270/mo
Today · 4.125%
HK$10,443
baseline
▲ 0.50% · 4.625%
HK$10,993
+HK$550/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,886/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$10,687
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,019
−HK$338/mo
Today · 4.125%
HK$11,357
baseline
▲ 0.50% · 4.625%
HK$12,048
+HK$691/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,714/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$11,889
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,208
−HK$323/mo
Today · 4.125%
HK$12,531
baseline
▲ 0.50% · 4.625%
HK$13,192
+HK$661/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,062/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$12,468
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,856
−HK$394/mo
Today · 4.125%
HK$13,250
baseline
▲ 0.50% · 4.625%
HK$14,056
+HK$806/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,500/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$13,871
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,243
−HK$377/mo
Today · 4.125%
HK$14,620
baseline
▲ 0.50% · 4.625%
HK$15,391
+HK$771/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,240/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$16,030
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,529
−HK$507/mo
Today · 4.125%
HK$17,036
baseline
▲ 0.50% · 4.625%
HK$18,072
+HK$1,036/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$34,072/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$17,834
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,312
−HK$485/mo
Today · 4.125%
HK$18,797
baseline
▲ 0.50% · 4.625%
HK$19,788
+HK$991/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$37,594/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).