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$8,950
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,228
−HK$283/mo
Today · 4.125%
HK$9,511
baseline
▲ 0.50% · 4.625%
HK$10,090
+HK$579/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,022/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$9,957
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,224
−HK$270/mo
Today · 4.125%
HK$10,494
baseline
▲ 0.50% · 4.625%
HK$11,048
+HK$554/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,988/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$10,740
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,074
−HK$339/mo
Today · 4.125%
HK$11,413
baseline
▲ 0.50% · 4.625%
HK$12,108
+HK$695/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,826/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$11,948
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,268
−HK$325/mo
Today · 4.125%
HK$12,593
baseline
▲ 0.50% · 4.625%
HK$13,257
+HK$664/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,186/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$12,530
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,919
−HK$396/mo
Today · 4.125%
HK$13,315
baseline
▲ 0.50% · 4.625%
HK$14,126
+HK$811/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,630/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$13,939
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,313
−HK$379/mo
Today · 4.125%
HK$14,692
baseline
▲ 0.50% · 4.625%
HK$15,467
+HK$775/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,384/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$16,110
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,611
−HK$509/mo
Today · 4.125%
HK$17,120
baseline
▲ 0.50% · 4.625%
HK$18,162
+HK$1,042/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$34,240/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$17,922
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,402
−HK$488/mo
Today · 4.125%
HK$18,890
baseline
▲ 0.50% · 4.625%
HK$19,886
+HK$996/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$37,780/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).