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$8,984
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,263
−HK$284/mo
Today · 4.125%
HK$9,547
baseline
▲ 0.50% · 4.625%
HK$10,128
+HK$581/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,094/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$9,994
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,263
−HK$271/mo
Today · 4.125%
HK$10,534
baseline
▲ 0.50% · 4.625%
HK$11,090
+HK$556/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,068/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$10,781
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,116
−HK$341/mo
Today · 4.125%
HK$11,457
baseline
▲ 0.50% · 4.625%
HK$12,154
+HK$697/mo
Deposit HK$1.58M · loan HK$2.36M · min. income ≈ HK$22,914/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$11,993
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,315
−HK$326/mo
Today · 4.125%
HK$12,641
baseline
▲ 0.50% · 4.625%
HK$13,308
+HK$667/mo
Deposit HK$1.58M · loan HK$2.36M · min. income ≈ HK$25,282/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$12,577
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,969
−HK$397/mo
Today · 4.125%
HK$13,366
baseline
▲ 0.50% · 4.625%
HK$14,179
+HK$813/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,732/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$13,992
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,368
−HK$380/mo
Today · 4.125%
HK$14,748
baseline
▲ 0.50% · 4.625%
HK$15,526
+HK$778/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,496/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$16,171
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,674
−HK$511/mo
Today · 4.125%
HK$17,185
baseline
▲ 0.50% · 4.625%
HK$18,231
+HK$1,046/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$34,370/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$17,990
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,473
−HK$489/mo
Today · 4.125%
HK$18,962
baseline
▲ 0.50% · 4.625%
HK$19,961
+HK$999/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$37,924/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).