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$8,995
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,275
−HK$284/mo
Today · 4.125%
HK$9,559
baseline
▲ 0.50% · 4.625%
HK$10,141
+HK$582/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,118/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$10,007
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,276
−HK$272/mo
Today · 4.125%
HK$10,548
baseline
▲ 0.50% · 4.625%
HK$11,104
+HK$556/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,096/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$10,794
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,130
−HK$341/mo
Today · 4.125%
HK$11,471
baseline
▲ 0.50% · 4.625%
HK$12,169
+HK$698/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,942/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$12,009
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,331
−HK$326/mo
Today · 4.125%
HK$12,657
baseline
▲ 0.50% · 4.625%
HK$13,325
+HK$668/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,314/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$12,593
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,985
−HK$398/mo
Today · 4.125%
HK$13,383
baseline
▲ 0.50% · 4.625%
HK$14,197
+HK$814/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,766/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$14,010
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,386
−HK$381/mo
Today · 4.125%
HK$14,767
baseline
▲ 0.50% · 4.625%
HK$15,545
+HK$778/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,534/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$16,191
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,695
−HK$512/mo
Today · 4.125%
HK$17,207
baseline
▲ 0.50% · 4.625%
HK$18,254
+HK$1,047/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$34,414/mo (50% DSR)
Upfront cash ≈ HK$395K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,013
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,496
−HK$490/mo
Today · 4.125%
HK$18,986
baseline
▲ 0.50% · 4.625%
HK$19,987
+HK$1,001/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$37,972/mo (50% DSR)
Upfront cash ≈ HK$395K (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).