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$8,982
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,261
−HK$284/mo
Today · 4.125%
HK$9,545
baseline
▲ 0.50% · 4.625%
HK$10,126
+HK$581/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,090/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$9,992
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,260
−HK$272/mo
Today · 4.125%
HK$10,532
baseline
▲ 0.50% · 4.625%
HK$11,088
+HK$556/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,064/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$10,779
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,114
−HK$340/mo
Today · 4.125%
HK$11,454
baseline
▲ 0.50% · 4.625%
HK$12,151
+HK$697/mo
Deposit HK$1.58M · loan HK$2.36M · min. income ≈ HK$22,908/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$11,991
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,313
−HK$326/mo
Today · 4.125%
HK$12,639
baseline
▲ 0.50% · 4.625%
HK$13,305
+HK$666/mo
Deposit HK$1.58M · loan HK$2.36M · min. income ≈ HK$25,278/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$12,575
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,966
−HK$398/mo
Today · 4.125%
HK$13,364
baseline
▲ 0.50% · 4.625%
HK$14,177
+HK$813/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,728/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$13,989
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,365
−HK$380/mo
Today · 4.125%
HK$14,745
baseline
▲ 0.50% · 4.625%
HK$15,523
+HK$778/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,490/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$16,168
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,671
−HK$511/mo
Today · 4.125%
HK$17,182
baseline
▲ 0.50% · 4.625%
HK$18,227
+HK$1,045/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$34,364/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$17,986
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,469
−HK$489/mo
Today · 4.125%
HK$18,958
baseline
▲ 0.50% · 4.625%
HK$19,958
+HK$1,000/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$37,916/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).