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$8,963
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,241
−HK$284/mo
Today · 4.125%
HK$9,525
baseline
▲ 0.50% · 4.625%
HK$10,104
+HK$579/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,050/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$9,971
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,238
−HK$271/mo
Today · 4.125%
HK$10,509
baseline
▲ 0.50% · 4.625%
HK$11,063
+HK$554/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,018/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$10,755
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,090
−HK$339/mo
Today · 4.125%
HK$11,429
baseline
▲ 0.50% · 4.625%
HK$12,125
+HK$696/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,858/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$11,965
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,286
−HK$325/mo
Today · 4.125%
HK$12,611
baseline
▲ 0.50% · 4.625%
HK$13,276
+HK$665/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,222/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$12,548
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,938
−HK$396/mo
Today · 4.125%
HK$13,334
baseline
▲ 0.50% · 4.625%
HK$14,146
+HK$812/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,668/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$13,959
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,333
−HK$380/mo
Today · 4.125%
HK$14,713
baseline
▲ 0.50% · 4.625%
HK$15,489
+HK$776/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,426/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$16,133
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,634
−HK$510/mo
Today · 4.125%
HK$17,144
baseline
▲ 0.50% · 4.625%
HK$18,187
+HK$1,043/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$34,288/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$17,947
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,429
−HK$488/mo
Today · 4.125%
HK$18,917
baseline
▲ 0.50% · 4.625%
HK$19,914
+HK$997/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$37,834/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).