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$8,920
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,198
−HK$282/mo
Today · 4.125%
HK$9,480
baseline
▲ 0.50% · 4.625%
HK$10,056
+HK$576/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$18,960/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$9,924
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,190
−HK$270/mo
Today · 4.125%
HK$10,460
baseline
▲ 0.50% · 4.625%
HK$11,011
+HK$551/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,920/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$10,704
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,037
−HK$338/mo
Today · 4.125%
HK$11,375
baseline
▲ 0.50% · 4.625%
HK$12,068
+HK$693/mo
Deposit HK$1.56M · loan HK$2.35M · min. income ≈ HK$22,750/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,908
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,228
−HK$324/mo
Today · 4.125%
HK$12,552
baseline
▲ 0.50% · 4.625%
HK$13,213
+HK$661/mo
Deposit HK$1.56M · loan HK$2.35M · min. income ≈ HK$25,104/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,488
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,877
−HK$394/mo
Today · 4.125%
HK$13,271
baseline
▲ 0.50% · 4.625%
HK$14,079
+HK$808/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$26,542/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$13,893
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,266
−HK$378/mo
Today · 4.125%
HK$14,644
baseline
▲ 0.50% · 4.625%
HK$15,416
+HK$772/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$29,288/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$16,056
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,556
−HK$507/mo
Today · 4.125%
HK$17,063
baseline
▲ 0.50% · 4.625%
HK$18,101
+HK$1,038/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$34,126/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$17,862
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,342
−HK$486/mo
Today · 4.125%
HK$18,828
baseline
▲ 0.50% · 4.625%
HK$19,820
+HK$992/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$37,656/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).