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$8,957
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,236
−HK$283/mo
Today · 4.125%
HK$9,519
baseline
▲ 0.50% · 4.625%
HK$10,098
+HK$579/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,038/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$9,965
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,232
−HK$271/mo
Today · 4.125%
HK$10,503
baseline
▲ 0.50% · 4.625%
HK$11,057
+HK$554/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$21,006/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$10,749
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,083
−HK$340/mo
Today · 4.125%
HK$11,423
baseline
▲ 0.50% · 4.625%
HK$12,118
+HK$695/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,846/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$11,958
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,279
−HK$325/mo
Today · 4.125%
HK$12,604
baseline
▲ 0.50% · 4.625%
HK$13,268
+HK$664/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,208/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$12,540
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,930
−HK$397/mo
Today · 4.125%
HK$13,327
baseline
▲ 0.50% · 4.625%
HK$14,138
+HK$811/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,654/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$13,951
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,325
−HK$380/mo
Today · 4.125%
HK$14,705
baseline
▲ 0.50% · 4.625%
HK$15,480
+HK$775/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,410/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$16,123
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,625
−HK$509/mo
Today · 4.125%
HK$17,134
baseline
▲ 0.50% · 4.625%
HK$18,177
+HK$1,043/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$34,268/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$17,937
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,418
−HK$488/mo
Today · 4.125%
HK$18,906
baseline
▲ 0.50% · 4.625%
HK$19,903
+HK$997/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$37,812/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).