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$8,935
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,213
−HK$282/mo
Today · 4.125%
HK$9,495
baseline
▲ 0.50% · 4.625%
HK$10,073
+HK$578/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$18,990/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$9,940
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,207
−HK$270/mo
Today · 4.125%
HK$10,477
baseline
▲ 0.50% · 4.625%
HK$11,029
+HK$552/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,954/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$10,722
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,055
−HK$339/mo
Today · 4.125%
HK$11,394
baseline
▲ 0.50% · 4.625%
HK$12,088
+HK$694/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,788/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$11,928
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,248
−HK$324/mo
Today · 4.125%
HK$12,572
baseline
▲ 0.50% · 4.625%
HK$13,235
+HK$663/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,144/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$12,509
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,898
−HK$395/mo
Today · 4.125%
HK$13,293
baseline
▲ 0.50% · 4.625%
HK$14,102
+HK$809/mo
Deposit HK$1.18M · loan HK$2.74M · min. income ≈ HK$26,586/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$13,916
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,289
−HK$379/mo
Today · 4.125%
HK$14,668
baseline
▲ 0.50% · 4.625%
HK$15,441
+HK$773/mo
Deposit HK$1.18M · loan HK$2.74M · min. income ≈ HK$29,336/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$16,083
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,583
−HK$508/mo
Today · 4.125%
HK$17,091
baseline
▲ 0.50% · 4.625%
HK$18,131
+HK$1,040/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$34,182/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$17,892
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,372
−HK$487/mo
Today · 4.125%
HK$18,859
baseline
▲ 0.50% · 4.625%
HK$19,853
+HK$994/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$37,718/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).