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$8,994
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,274
−HK$284/mo
Today · 4.125%
HK$9,558
baseline
▲ 0.50% · 4.625%
HK$10,139
+HK$581/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,116/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$10,005
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,274
−HK$272/mo
Today · 4.125%
HK$10,546
baseline
▲ 0.50% · 4.625%
HK$11,102
+HK$556/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,092/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$10,793
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,128
−HK$341/mo
Today · 4.125%
HK$11,469
baseline
▲ 0.50% · 4.625%
HK$12,167
+HK$698/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,938/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$12,007
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,329
−HK$326/mo
Today · 4.125%
HK$12,655
baseline
▲ 0.50% · 4.625%
HK$13,322
+HK$667/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,310/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$12,591
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,983
−HK$398/mo
Today · 4.125%
HK$13,381
baseline
▲ 0.50% · 4.625%
HK$14,195
+HK$814/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,762/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$14,008
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,383
−HK$381/mo
Today · 4.125%
HK$14,764
baseline
▲ 0.50% · 4.625%
HK$15,543
+HK$779/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,528/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$16,189
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,692
−HK$512/mo
Today · 4.125%
HK$17,204
baseline
▲ 0.50% · 4.625%
HK$18,251
+HK$1,047/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$34,408/mo (50% DSR)
Upfront cash ≈ HK$395K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,010
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,493
−HK$490/mo
Today · 4.125%
HK$18,983
baseline
▲ 0.50% · 4.625%
HK$19,983
+HK$1,000/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$37,966/mo (50% DSR)
Upfront cash ≈ HK$395K (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).