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$8,985
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,264
−HK$284/mo
Today · 4.125%
HK$9,548
baseline
▲ 0.50% · 4.625%
HK$10,129
+HK$581/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,096/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$9,995
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,263
−HK$272/mo
Today · 4.125%
HK$10,535
baseline
▲ 0.50% · 4.625%
HK$11,091
+HK$556/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,070/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$10,782
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,117
−HK$341/mo
Today · 4.125%
HK$11,458
baseline
▲ 0.50% · 4.625%
HK$12,155
+HK$697/mo
Deposit HK$1.58M · loan HK$2.36M · min. income ≈ HK$22,916/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$11,994
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,316
−HK$326/mo
Today · 4.125%
HK$12,642
baseline
▲ 0.50% · 4.625%
HK$13,309
+HK$667/mo
Deposit HK$1.58M · loan HK$2.36M · min. income ≈ HK$25,284/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$12,579
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,970
−HK$397/mo
Today · 4.125%
HK$13,367
baseline
▲ 0.50% · 4.625%
HK$14,181
+HK$814/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,734/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$13,994
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,369
−HK$381/mo
Today · 4.125%
HK$14,750
baseline
▲ 0.50% · 4.625%
HK$15,527
+HK$777/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,500/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$16,172
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,676
−HK$511/mo
Today · 4.125%
HK$17,187
baseline
▲ 0.50% · 4.625%
HK$18,232
+HK$1,045/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$34,374/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$17,992
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,474
−HK$490/mo
Today · 4.125%
HK$18,964
baseline
▲ 0.50% · 4.625%
HK$19,963
+HK$999/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$37,928/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).