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$564/mo
▼ 0.25% · 3.875%
HK$9,264
−HK$284/mo
Today · 4.125%
HK$9,548
baseline
▲ 0.50% · 4.625%
HK$10,129
+HK$581/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,096/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$9,995
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,263
−HK$272/mo
Today · 4.125%
HK$10,535
baseline
▲ 0.50% · 4.625%
HK$11,090
+HK$555/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,070/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$11,994
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,315
−HK$327/mo
Today · 4.125%
HK$12,642
baseline
▲ 0.50% · 4.625%
HK$13,308
+HK$666/mo
Deposit HK$1.58M · loan HK$2.36M · min. income ≈ HK$25,284/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$12,578
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,969
−HK$398/mo
Today · 4.125%
HK$13,367
baseline
▲ 0.50% · 4.625%
HK$14,180
+HK$813/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,734/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$13,993
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,368
−HK$381/mo
Today · 4.125%
HK$14,749
baseline
▲ 0.50% · 4.625%
HK$15,526
+HK$777/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,498/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$16,172
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,675
−HK$511/mo
Today · 4.125%
HK$17,186
baseline
▲ 0.50% · 4.625%
HK$18,231
+HK$1,045/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$34,372/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$17,991
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,473
−HK$490/mo
Today · 4.125%
HK$18,963
baseline
▲ 0.50% · 4.625%
HK$19,962
+HK$999/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$37,926/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).