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$8,922
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,199
−HK$282/mo
Today · 4.125%
HK$9,481
baseline
▲ 0.50% · 4.625%
HK$10,058
+HK$577/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$18,962/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$9,925
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,192
−HK$270/mo
Today · 4.125%
HK$10,462
baseline
▲ 0.50% · 4.625%
HK$11,013
+HK$551/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,924/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$10,706
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,039
−HK$339/mo
Today · 4.125%
HK$11,378
baseline
▲ 0.50% · 4.625%
HK$12,070
+HK$692/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,756/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$11,910
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,230
−HK$324/mo
Today · 4.125%
HK$12,554
baseline
▲ 0.50% · 4.625%
HK$13,216
+HK$662/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,108/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$12,491
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,879
−HK$395/mo
Today · 4.125%
HK$13,274
baseline
▲ 0.50% · 4.625%
HK$14,081
+HK$807/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$26,548/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$13,896
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,268
−HK$378/mo
Today · 4.125%
HK$14,646
baseline
▲ 0.50% · 4.625%
HK$15,418
+HK$772/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$29,292/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$16,059
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,559
−HK$507/mo
Today · 4.125%
HK$17,066
baseline
▲ 0.50% · 4.625%
HK$18,105
+HK$1,039/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$34,132/mo (50% DSR)
Upfront cash ≈ HK$391K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,866
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,345
−HK$486/mo
Today · 4.125%
HK$18,831
baseline
▲ 0.50% · 4.625%
HK$19,824
+HK$993/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$37,662/mo (50% DSR)
Upfront cash ≈ HK$391K (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).