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$8,970
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,249
−HK$283/mo
Today · 4.125%
HK$9,532
baseline
▲ 0.50% · 4.625%
HK$10,112
+HK$580/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,064/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$9,979
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,247
−HK$271/mo
Today · 4.125%
HK$10,518
baseline
▲ 0.50% · 4.625%
HK$11,073
+HK$555/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,036/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$10,764
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,099
−HK$340/mo
Today · 4.125%
HK$11,439
baseline
▲ 0.50% · 4.625%
HK$12,135
+HK$696/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,878/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$11,975
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,296
−HK$326/mo
Today · 4.125%
HK$12,622
baseline
▲ 0.50% · 4.625%
HK$13,287
+HK$665/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,244/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$12,558
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,949
−HK$396/mo
Today · 4.125%
HK$13,345
baseline
▲ 0.50% · 4.625%
HK$14,157
+HK$812/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,690/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$13,971
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,345
−HK$380/mo
Today · 4.125%
HK$14,725
baseline
▲ 0.50% · 4.625%
HK$15,502
+HK$777/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,450/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$16,146
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,648
−HK$510/mo
Today · 4.125%
HK$17,158
baseline
▲ 0.50% · 4.625%
HK$18,202
+HK$1,044/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$34,316/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$17,962
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,444
−HK$489/mo
Today · 4.125%
HK$18,933
baseline
▲ 0.50% · 4.625%
HK$19,931
+HK$998/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$37,866/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).