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$8,941
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,219
−HK$283/mo
Today · 4.125%
HK$9,502
baseline
▲ 0.50% · 4.625%
HK$10,080
+HK$578/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,004/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$9,947
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,214
−HK$270/mo
Today · 4.125%
HK$10,484
baseline
▲ 0.50% · 4.625%
HK$11,037
+HK$553/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,968/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$10,729
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,063
−HK$339/mo
Today · 4.125%
HK$11,402
baseline
▲ 0.50% · 4.625%
HK$12,096
+HK$694/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,804/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$11,936
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,257
−HK$324/mo
Today · 4.125%
HK$12,581
baseline
▲ 0.50% · 4.625%
HK$13,244
+HK$663/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,162/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$12,518
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,907
−HK$396/mo
Today · 4.125%
HK$13,303
baseline
▲ 0.50% · 4.625%
HK$14,112
+HK$809/mo
Deposit HK$1.18M · loan HK$2.74M · min. income ≈ HK$26,606/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$13,926
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,299
−HK$379/mo
Today · 4.125%
HK$14,678
baseline
▲ 0.50% · 4.625%
HK$15,452
+HK$774/mo
Deposit HK$1.18M · loan HK$2.74M · min. income ≈ HK$29,356/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$16,094
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,595
−HK$508/mo
Today · 4.125%
HK$17,103
baseline
▲ 0.50% · 4.625%
HK$18,144
+HK$1,041/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$34,206/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$17,905
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,385
−HK$487/mo
Today · 4.125%
HK$18,872
baseline
▲ 0.50% · 4.625%
HK$19,867
+HK$995/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$37,744/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).