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$8,978
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,257
−HK$284/mo
Today · 4.125%
HK$9,541
baseline
▲ 0.50% · 4.625%
HK$10,122
+HK$581/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,082/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$9,988
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,256
−HK$272/mo
Today · 4.125%
HK$10,528
baseline
▲ 0.50% · 4.625%
HK$11,082
+HK$554/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,056/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$10,774
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,109
−HK$340/mo
Today · 4.125%
HK$11,449
baseline
▲ 0.50% · 4.625%
HK$12,146
+HK$697/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,898/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$11,986
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,307
−HK$326/mo
Today · 4.125%
HK$12,633
baseline
▲ 0.50% · 4.625%
HK$13,299
+HK$666/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,266/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$12,569
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,960
−HK$397/mo
Today · 4.125%
HK$13,357
baseline
▲ 0.50% · 4.625%
HK$14,170
+HK$813/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,714/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$13,983
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,358
−HK$381/mo
Today · 4.125%
HK$14,739
baseline
▲ 0.50% · 4.625%
HK$15,515
+HK$776/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,478/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$16,160
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,663
−HK$511/mo
Today · 4.125%
HK$17,174
baseline
▲ 0.50% · 4.625%
HK$18,219
+HK$1,045/mo
Deposit HK$394K · loan HK$3.54M · min. income ≈ HK$34,348/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$17,978
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,460
−HK$490/mo
Today · 4.125%
HK$18,950
baseline
▲ 0.50% · 4.625%
HK$19,948
+HK$998/mo
Deposit HK$394K · loan HK$3.54M · min. income ≈ HK$37,900/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).