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$8,921
−HK$560/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$536/mo
▼ 0.25% · 3.875%
HK$10,191
−HK$270/mo
Today · 4.125%
HK$10,461
baseline
▲ 0.50% · 4.625%
HK$11,013
+HK$552/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,922/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$671/mo
▼ 0.25% · 3.875%
HK$11,039
−HK$338/mo
Today · 4.125%
HK$11,377
baseline
▲ 0.50% · 4.625%
HK$12,069
+HK$692/mo
Deposit HK$1.56M · loan HK$2.35M · min. income ≈ HK$22,754/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$12,229
−HK$325/mo
Today · 4.125%
HK$12,554
baseline
▲ 0.50% · 4.625%
HK$13,215
+HK$661/mo
Deposit HK$1.56M · 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$12,490
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,879
−HK$394/mo
Today · 4.125%
HK$13,273
baseline
▲ 0.50% · 4.625%
HK$14,081
+HK$808/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$26,546/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$13,895
−HK$751/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$16,558
−HK$508/mo
Today · 4.125%
HK$17,066
baseline
▲ 0.50% · 4.625%
HK$18,104
+HK$1,038/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$17,865
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,344
−HK$486/mo
Today · 4.125%
HK$18,830
baseline
▲ 0.50% · 4.625%
HK$19,823
+HK$993/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$37,660/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).