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$8,927
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,205
−HK$282/mo
Today · 4.125%
HK$9,487
baseline
▲ 0.50% · 4.625%
HK$10,064
+HK$577/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$18,974/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$9,931
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,197
−HK$271/mo
Today · 4.125%
HK$10,468
baseline
▲ 0.50% · 4.625%
HK$11,019
+HK$551/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,936/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$10,712
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,045
−HK$339/mo
Today · 4.125%
HK$11,384
baseline
▲ 0.50% · 4.625%
HK$12,077
+HK$693/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,768/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$11,917
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,237
−HK$324/mo
Today · 4.125%
HK$12,561
baseline
▲ 0.50% · 4.625%
HK$13,223
+HK$662/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,122/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$12,498
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,886
−HK$395/mo
Today · 4.125%
HK$13,281
baseline
▲ 0.50% · 4.625%
HK$14,090
+HK$809/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$26,562/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$13,904
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,276
−HK$379/mo
Today · 4.125%
HK$14,655
baseline
▲ 0.50% · 4.625%
HK$15,427
+HK$772/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$29,310/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$16,068
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,568
−HK$508/mo
Today · 4.125%
HK$17,076
baseline
▲ 0.50% · 4.625%
HK$18,115
+HK$1,039/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$34,152/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$17,876
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,355
−HK$487/mo
Today · 4.125%
HK$18,842
baseline
▲ 0.50% · 4.625%
HK$19,835
+HK$993/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$37,684/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).