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$8,957
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,235
−HK$283/mo
Today · 4.125%
HK$9,518
baseline
▲ 0.50% · 4.625%
HK$10,098
+HK$580/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,036/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$9,964
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,231
−HK$272/mo
Today · 4.125%
HK$10,503
baseline
▲ 0.50% · 4.625%
HK$11,056
+HK$553/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$21,006/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$10,748
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,082
−HK$340/mo
Today · 4.125%
HK$11,422
baseline
▲ 0.50% · 4.625%
HK$12,117
+HK$695/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,844/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$11,957
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,278
−HK$325/mo
Today · 4.125%
HK$12,603
baseline
▲ 0.50% · 4.625%
HK$13,267
+HK$664/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,206/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$12,539
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,929
−HK$397/mo
Today · 4.125%
HK$13,326
baseline
▲ 0.50% · 4.625%
HK$14,137
+HK$811/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,652/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$13,950
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,324
−HK$380/mo
Today · 4.125%
HK$14,704
baseline
▲ 0.50% · 4.625%
HK$15,479
+HK$775/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,408/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$16,122
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,624
−HK$509/mo
Today · 4.125%
HK$17,133
baseline
▲ 0.50% · 4.625%
HK$18,176
+HK$1,043/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$34,266/mo (50% DSR)
Upfront cash ≈ HK$393K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,936
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,417
−HK$488/mo
Today · 4.125%
HK$18,905
baseline
▲ 0.50% · 4.625%
HK$19,901
+HK$996/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$37,810/mo (50% DSR)
Upfront cash ≈ HK$393K (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).