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$8,977
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,257
−HK$283/mo
Today · 4.125%
HK$9,540
baseline
▲ 0.50% · 4.625%
HK$10,121
+HK$581/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,080/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$9,987
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,255
−HK$272/mo
Today · 4.125%
HK$10,527
baseline
▲ 0.50% · 4.625%
HK$11,082
+HK$555/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,054/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$10,773
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,108
−HK$340/mo
Today · 4.125%
HK$11,448
baseline
▲ 0.50% · 4.625%
HK$12,145
+HK$697/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,896/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$11,985
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,306
−HK$326/mo
Today · 4.125%
HK$12,632
baseline
▲ 0.50% · 4.625%
HK$13,298
+HK$666/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,264/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$12,568
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,959
−HK$397/mo
Today · 4.125%
HK$13,356
baseline
▲ 0.50% · 4.625%
HK$14,169
+HK$813/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,712/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$13,982
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,357
−HK$381/mo
Today · 4.125%
HK$14,738
baseline
▲ 0.50% · 4.625%
HK$15,514
+HK$776/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,476/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$16,159
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,662
−HK$511/mo
Today · 4.125%
HK$17,173
baseline
▲ 0.50% · 4.625%
HK$18,217
+HK$1,044/mo
Deposit HK$394K · loan HK$3.54M · min. income ≈ HK$34,346/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$17,977
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,459
−HK$489/mo
Today · 4.125%
HK$18,948
baseline
▲ 0.50% · 4.625%
HK$19,947
+HK$999/mo
Deposit HK$394K · loan HK$3.54M · min. income ≈ HK$37,896/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).