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$8,946
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,224
−HK$283/mo
Today · 4.125%
HK$9,507
baseline
▲ 0.50% · 4.625%
HK$10,085
+HK$578/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,014/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,952
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,219
−HK$271/mo
Today · 4.125%
HK$10,490
baseline
▲ 0.50% · 4.625%
HK$11,043
+HK$553/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,980/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,735
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,069
−HK$339/mo
Today · 4.125%
HK$11,408
baseline
▲ 0.50% · 4.625%
HK$12,102
+HK$694/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,816/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$11,943
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,263
−HK$325/mo
Today · 4.125%
HK$12,588
baseline
▲ 0.50% · 4.625%
HK$13,251
+HK$663/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,176/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$12,524
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,914
−HK$396/mo
Today · 4.125%
HK$13,310
baseline
▲ 0.50% · 4.625%
HK$14,119
+HK$809/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,620/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$13,933
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,307
−HK$379/mo
Today · 4.125%
HK$14,686
baseline
▲ 0.50% · 4.625%
HK$15,460
+HK$774/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,372/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$16,102
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,603
−HK$509/mo
Today · 4.125%
HK$17,112
baseline
▲ 0.50% · 4.625%
HK$18,153
+HK$1,041/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$34,224/mo (50% DSR)
Upfront cash ≈ HK$392K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,914
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,394
−HK$488/mo
Today · 4.125%
HK$18,882
baseline
▲ 0.50% · 4.625%
HK$19,877
+HK$995/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$37,764/mo (50% DSR)
Upfront cash ≈ HK$392K (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).