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$8,997
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,277
−HK$285/mo
Today · 4.125%
HK$9,562
baseline
▲ 0.50% · 4.625%
HK$10,143
+HK$581/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,124/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$10,009
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,278
−HK$272/mo
Today · 4.125%
HK$10,550
baseline
▲ 0.50% · 4.625%
HK$11,106
+HK$556/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,100/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$10,797
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,133
−HK$341/mo
Today · 4.125%
HK$11,474
baseline
▲ 0.50% · 4.625%
HK$12,172
+HK$698/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,948/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$12,011
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,333
−HK$327/mo
Today · 4.125%
HK$12,660
baseline
▲ 0.50% · 4.625%
HK$13,328
+HK$668/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,320/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$12,596
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,988
−HK$398/mo
Today · 4.125%
HK$13,386
baseline
▲ 0.50% · 4.625%
HK$14,201
+HK$815/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,772/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$14,013
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,389
−HK$381/mo
Today · 4.125%
HK$14,770
baseline
▲ 0.50% · 4.625%
HK$15,549
+HK$779/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,540/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$16,195
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,699
−HK$512/mo
Today · 4.125%
HK$17,211
baseline
▲ 0.50% · 4.625%
HK$18,258
+HK$1,047/mo
Deposit HK$395K · loan HK$3.55M · min. income ≈ HK$34,422/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$18,017
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,500
−HK$490/mo
Today · 4.125%
HK$18,990
baseline
▲ 0.50% · 4.625%
HK$19,991
+HK$1,001/mo
Deposit HK$395K · loan HK$3.55M · min. income ≈ HK$37,980/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).