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$8,909
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,186
−HK$282/mo
Today · 4.125%
HK$9,468
baseline
▲ 0.50% · 4.625%
HK$10,044
+HK$576/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,936/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,911
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,177
−HK$270/mo
Today · 4.125%
HK$10,447
baseline
▲ 0.50% · 4.625%
HK$10,998
+HK$551/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,894/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,691
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,024
−HK$337/mo
Today · 4.125%
HK$11,361
baseline
▲ 0.50% · 4.625%
HK$12,053
+HK$692/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,722/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,894
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,213
−HK$323/mo
Today · 4.125%
HK$12,536
baseline
▲ 0.50% · 4.625%
HK$13,197
+HK$661/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,072/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,473
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,861
−HK$394/mo
Today · 4.125%
HK$13,255
baseline
▲ 0.50% · 4.625%
HK$14,062
+HK$807/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,510/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,876
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,248
−HK$378/mo
Today · 4.125%
HK$14,626
baseline
▲ 0.50% · 4.625%
HK$15,397
+HK$771/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,252/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,037
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,535
−HK$507/mo
Today · 4.125%
HK$17,042
baseline
▲ 0.50% · 4.625%
HK$18,079
+HK$1,037/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$34,084/mo (50% DSR)
Upfront cash ≈ HK$391K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,840
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,319
−HK$485/mo
Today · 4.125%
HK$18,804
baseline
▲ 0.50% · 4.625%
HK$19,796
+HK$992/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$37,608/mo (50% DSR)
Upfront cash ≈ HK$391K (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).