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$8,934
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,212
−HK$282/mo
Today · 4.125%
HK$9,494
baseline
▲ 0.50% · 4.625%
HK$10,072
+HK$578/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$18,988/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$9,939
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,206
−HK$270/mo
Today · 4.125%
HK$10,476
baseline
▲ 0.50% · 4.625%
HK$11,028
+HK$552/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,952/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$10,721
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,054
−HK$339/mo
Today · 4.125%
HK$11,393
baseline
▲ 0.50% · 4.625%
HK$12,086
+HK$693/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,786/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$11,927
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,247
−HK$324/mo
Today · 4.125%
HK$12,571
baseline
▲ 0.50% · 4.625%
HK$13,234
+HK$663/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,142/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$12,508
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,897
−HK$395/mo
Today · 4.125%
HK$13,292
baseline
▲ 0.50% · 4.625%
HK$14,101
+HK$809/mo
Deposit HK$1.18M · loan HK$2.74M · min. income ≈ HK$26,584/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$13,915
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,288
−HK$378/mo
Today · 4.125%
HK$14,666
baseline
▲ 0.50% · 4.625%
HK$15,439
+HK$773/mo
Deposit HK$1.18M · loan HK$2.74M · min. income ≈ HK$29,332/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$16,081
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,581
−HK$509/mo
Today · 4.125%
HK$17,090
baseline
▲ 0.50% · 4.625%
HK$18,130
+HK$1,040/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$34,180/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$17,890
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,370
−HK$487/mo
Today · 4.125%
HK$18,857
baseline
▲ 0.50% · 4.625%
HK$19,851
+HK$994/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$37,714/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).