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$8,919
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,197
−HK$282/mo
Today · 4.125%
HK$9,479
baseline
▲ 0.50% · 4.625%
HK$10,055
+HK$576/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$18,958/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$9,923
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,189
−HK$270/mo
Today · 4.125%
HK$10,459
baseline
▲ 0.50% · 4.625%
HK$11,010
+HK$551/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,918/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$10,703
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,036
−HK$338/mo
Today · 4.125%
HK$11,374
baseline
▲ 0.50% · 4.625%
HK$12,066
+HK$692/mo
Deposit HK$1.56M · loan HK$2.35M · min. income ≈ HK$22,748/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,907
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,226
−HK$324/mo
Today · 4.125%
HK$12,550
baseline
▲ 0.50% · 4.625%
HK$13,212
+HK$662/mo
Deposit HK$1.56M · loan HK$2.35M · min. income ≈ HK$25,100/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,487
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,875
−HK$395/mo
Today · 4.125%
HK$13,270
baseline
▲ 0.50% · 4.625%
HK$14,077
+HK$807/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$26,540/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$13,892
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,264
−HK$378/mo
Today · 4.125%
HK$14,642
baseline
▲ 0.50% · 4.625%
HK$15,414
+HK$772/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$29,284/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$16,055
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,554
−HK$507/mo
Today · 4.125%
HK$17,061
baseline
▲ 0.50% · 4.625%
HK$18,099
+HK$1,038/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$34,122/mo (50% DSR)
Upfront cash ≈ HK$391K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,861
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,340
−HK$485/mo
Today · 4.125%
HK$18,825
baseline
▲ 0.50% · 4.625%
HK$19,818
+HK$993/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$37,650/mo (50% DSR)
Upfront cash ≈ HK$391K (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).