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$8,938
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,216
−HK$283/mo
Today · 4.125%
HK$9,499
baseline
▲ 0.50% · 4.625%
HK$10,077
+HK$578/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$18,998/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$9,944
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,210
−HK$271/mo
Today · 4.125%
HK$10,481
baseline
▲ 0.50% · 4.625%
HK$11,033
+HK$552/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,962/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$10,726
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,059
−HK$339/mo
Today · 4.125%
HK$11,398
baseline
▲ 0.50% · 4.625%
HK$12,092
+HK$694/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,796/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$11,932
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,252
−HK$325/mo
Today · 4.125%
HK$12,577
baseline
▲ 0.50% · 4.625%
HK$13,240
+HK$663/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,154/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$12,513
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,903
−HK$395/mo
Today · 4.125%
HK$13,298
baseline
▲ 0.50% · 4.625%
HK$14,107
+HK$809/mo
Deposit HK$1.18M · loan HK$2.74M · min. income ≈ HK$26,596/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$13,921
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,294
−HK$379/mo
Today · 4.125%
HK$14,673
baseline
▲ 0.50% · 4.625%
HK$15,447
+HK$774/mo
Deposit HK$1.18M · loan HK$2.74M · min. income ≈ HK$29,346/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$16,089
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,589
−HK$508/mo
Today · 4.125%
HK$17,097
baseline
▲ 0.50% · 4.625%
HK$18,138
+HK$1,041/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$34,194/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$17,898
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,378
−HK$487/mo
Today · 4.125%
HK$18,865
baseline
▲ 0.50% · 4.625%
HK$19,860
+HK$995/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$37,730/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).