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$8,912
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,189
−HK$282/mo
Today · 4.125%
HK$9,471
baseline
▲ 0.50% · 4.625%
HK$10,047
+HK$576/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,942/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$9,915
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,181
−HK$269/mo
Today · 4.125%
HK$10,450
baseline
▲ 0.50% · 4.625%
HK$11,001
+HK$551/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,900/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$10,695
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,027
−HK$338/mo
Today · 4.125%
HK$11,365
baseline
▲ 0.50% · 4.625%
HK$12,057
+HK$692/mo
Deposit HK$1.56M · loan HK$2.35M · min. income ≈ HK$22,730/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$11,898
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,217
−HK$323/mo
Today · 4.125%
HK$12,540
baseline
▲ 0.50% · 4.625%
HK$13,201
+HK$661/mo
Deposit HK$1.56M · loan HK$2.35M · min. income ≈ HK$25,080/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$12,477
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,865
−HK$394/mo
Today · 4.125%
HK$13,259
baseline
▲ 0.50% · 4.625%
HK$14,066
+HK$807/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$26,518/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$13,881
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,253
−HK$378/mo
Today · 4.125%
HK$14,631
baseline
▲ 0.50% · 4.625%
HK$15,402
+HK$771/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$29,262/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$16,042
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,541
−HK$507/mo
Today · 4.125%
HK$17,048
baseline
▲ 0.50% · 4.625%
HK$18,085
+HK$1,037/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$34,096/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$17,846
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,325
−HK$486/mo
Today · 4.125%
HK$18,811
baseline
▲ 0.50% · 4.625%
HK$19,802
+HK$991/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$37,622/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).