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$8,950
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,229
−HK$282/mo
Today · 4.125%
HK$9,511
baseline
▲ 0.50% · 4.625%
HK$10,090
+HK$579/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,022/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$9,957
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,224
−HK$271/mo
Today · 4.125%
HK$10,495
baseline
▲ 0.50% · 4.625%
HK$11,048
+HK$553/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,990/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$10,740
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,074
−HK$340/mo
Today · 4.125%
HK$11,414
baseline
▲ 0.50% · 4.625%
HK$12,108
+HK$694/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,828/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$11,948
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,269
−HK$325/mo
Today · 4.125%
HK$12,594
baseline
▲ 0.50% · 4.625%
HK$13,258
+HK$664/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,188/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$12,530
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,920
−HK$396/mo
Today · 4.125%
HK$13,316
baseline
▲ 0.50% · 4.625%
HK$14,126
+HK$810/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,632/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$13,940
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,314
−HK$379/mo
Today · 4.125%
HK$14,693
baseline
▲ 0.50% · 4.625%
HK$15,467
+HK$774/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,386/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$16,110
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,611
−HK$509/mo
Today · 4.125%
HK$17,120
baseline
▲ 0.50% · 4.625%
HK$18,162
+HK$1,042/mo
Deposit HK$393K · loan HK$3.53M · min. income ≈ HK$34,240/mo (50% DSR)
Upfront cash ≈ HK$393K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,922
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,403
−HK$488/mo
Today · 4.125%
HK$18,891
baseline
▲ 0.50% · 4.625%
HK$19,887
+HK$996/mo
Deposit HK$393K · loan HK$3.53M · min. income ≈ HK$37,782/mo (50% DSR)
Upfront cash ≈ HK$393K (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).