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$8,929
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,207
−HK$282/mo
Today · 4.125%
HK$9,489
baseline
▲ 0.50% · 4.625%
HK$10,066
+HK$577/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$18,978/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$9,934
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,200
−HK$270/mo
Today · 4.125%
HK$10,470
baseline
▲ 0.50% · 4.625%
HK$11,022
+HK$552/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,940/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$10,715
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,048
−HK$339/mo
Today · 4.125%
HK$11,387
baseline
▲ 0.50% · 4.625%
HK$12,080
+HK$693/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,774/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$11,920
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,240
−HK$324/mo
Today · 4.125%
HK$12,564
baseline
▲ 0.50% · 4.625%
HK$13,227
+HK$663/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,128/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$12,501
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,890
−HK$395/mo
Today · 4.125%
HK$13,285
baseline
▲ 0.50% · 4.625%
HK$14,093
+HK$808/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$26,570/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$13,907
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,280
−HK$378/mo
Today · 4.125%
HK$14,658
baseline
▲ 0.50% · 4.625%
HK$15,431
+HK$773/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$29,316/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$16,072
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,572
−HK$508/mo
Today · 4.125%
HK$17,080
baseline
▲ 0.50% · 4.625%
HK$18,120
+HK$1,040/mo
Deposit HK$392K · loan HK$3.52M · min. income ≈ HK$34,160/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$17,880
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,360
−HK$486/mo
Today · 4.125%
HK$18,846
baseline
▲ 0.50% · 4.625%
HK$19,840
+HK$994/mo
Deposit HK$392K · loan HK$3.52M · min. income ≈ HK$37,692/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).