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$8,940
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,218
−HK$282/mo
Today · 4.125%
HK$9,500
baseline
▲ 0.50% · 4.625%
HK$10,078
+HK$578/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,000/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$9,945
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,212
−HK$271/mo
Today · 4.125%
HK$10,483
baseline
▲ 0.50% · 4.625%
HK$11,035
+HK$552/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,966/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$10,728
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,061
−HK$339/mo
Today · 4.125%
HK$11,400
baseline
▲ 0.50% · 4.625%
HK$12,094
+HK$694/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,800/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$11,934
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,255
−HK$324/mo
Today · 4.125%
HK$12,579
baseline
▲ 0.50% · 4.625%
HK$13,242
+HK$663/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,158/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$12,516
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,905
−HK$396/mo
Today · 4.125%
HK$13,301
baseline
▲ 0.50% · 4.625%
HK$14,110
+HK$809/mo
Deposit HK$1.18M · loan HK$2.74M · min. income ≈ HK$26,602/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$13,924
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,297
−HK$379/mo
Today · 4.125%
HK$14,676
baseline
▲ 0.50% · 4.625%
HK$15,449
+HK$773/mo
Deposit HK$1.18M · loan HK$2.74M · min. income ≈ HK$29,352/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$16,092
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,592
−HK$509/mo
Today · 4.125%
HK$17,101
baseline
▲ 0.50% · 4.625%
HK$18,141
+HK$1,040/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$34,202/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$17,902
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,382
−HK$487/mo
Today · 4.125%
HK$18,869
baseline
▲ 0.50% · 4.625%
HK$19,864
+HK$995/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$37,738/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).