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$8,965
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,243
−HK$284/mo
Today · 4.125%
HK$9,527
baseline
▲ 0.50% · 4.625%
HK$10,106
+HK$579/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,054/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$9,973
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,240
−HK$272/mo
Today · 4.125%
HK$10,512
baseline
▲ 0.50% · 4.625%
HK$11,066
+HK$554/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,024/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$10,757
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,092
−HK$340/mo
Today · 4.125%
HK$11,432
baseline
▲ 0.50% · 4.625%
HK$12,128
+HK$696/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,864/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,968
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,288
−HK$326/mo
Today · 4.125%
HK$12,614
baseline
▲ 0.50% · 4.625%
HK$13,279
+HK$665/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,228/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,550
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,941
−HK$396/mo
Today · 4.125%
HK$13,337
baseline
▲ 0.50% · 4.625%
HK$14,149
+HK$812/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,674/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$13,962
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,337
−HK$379/mo
Today · 4.125%
HK$14,716
baseline
▲ 0.50% · 4.625%
HK$15,492
+HK$776/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,432/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$16,136
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,638
−HK$510/mo
Today · 4.125%
HK$17,148
baseline
▲ 0.50% · 4.625%
HK$18,191
+HK$1,043/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$34,296/mo (50% DSR)
Upfront cash ≈ HK$393K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,951
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,433
−HK$488/mo
Today · 4.125%
HK$18,921
baseline
▲ 0.50% · 4.625%
HK$19,918
+HK$997/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$37,842/mo (50% DSR)
Upfront cash ≈ HK$393K (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).