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$8,926
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,204
−HK$282/mo
Today · 4.125%
HK$9,486
baseline
▲ 0.50% · 4.625%
HK$10,063
+HK$577/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$18,972/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$536/mo
▼ 0.25% · 3.875%
HK$10,197
−HK$270/mo
Today · 4.125%
HK$10,467
baseline
▲ 0.50% · 4.625%
HK$11,019
+HK$552/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,934/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$671/mo
▼ 0.25% · 3.875%
HK$11,045
−HK$338/mo
Today · 4.125%
HK$11,383
baseline
▲ 0.50% · 4.625%
HK$12,076
+HK$693/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,766/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$643/mo
▼ 0.25% · 3.875%
HK$12,236
−HK$324/mo
Today · 4.125%
HK$12,560
baseline
▲ 0.50% · 4.625%
HK$13,223
+HK$663/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,120/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$12,497
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,886
−HK$395/mo
Today · 4.125%
HK$13,281
baseline
▲ 0.50% · 4.625%
HK$14,089
+HK$808/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$13,903
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,276
−HK$378/mo
Today · 4.125%
HK$14,654
baseline
▲ 0.50% · 4.625%
HK$15,426
+HK$772/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$29,308/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$1,007/mo
▼ 0.25% · 3.875%
HK$16,567
−HK$508/mo
Today · 4.125%
HK$17,075
baseline
▲ 0.50% · 4.625%
HK$18,114
+HK$1,039/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$34,150/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$17,875
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,354
−HK$487/mo
Today · 4.125%
HK$18,841
baseline
▲ 0.50% · 4.625%
HK$19,834
+HK$993/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$37,682/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).