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$8,942
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,220
−HK$283/mo
Today · 4.125%
HK$9,503
baseline
▲ 0.50% · 4.625%
HK$10,081
+HK$578/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,006/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$9,948
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,215
−HK$271/mo
Today · 4.125%
HK$10,486
baseline
▲ 0.50% · 4.625%
HK$11,038
+HK$552/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,972/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$10,731
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,065
−HK$339/mo
Today · 4.125%
HK$11,404
baseline
▲ 0.50% · 4.625%
HK$12,098
+HK$694/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,808/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$11,938
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,258
−HK$325/mo
Today · 4.125%
HK$12,583
baseline
▲ 0.50% · 4.625%
HK$13,246
+HK$663/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,166/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$12,519
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,909
−HK$395/mo
Today · 4.125%
HK$13,304
baseline
▲ 0.50% · 4.625%
HK$14,114
+HK$810/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,608/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$13,927
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,301
−HK$379/mo
Today · 4.125%
HK$14,680
baseline
▲ 0.50% · 4.625%
HK$15,454
+HK$774/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,360/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$16,096
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,597
−HK$508/mo
Today · 4.125%
HK$17,105
baseline
▲ 0.50% · 4.625%
HK$18,146
+HK$1,041/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$34,210/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$17,907
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,387
−HK$487/mo
Today · 4.125%
HK$18,874
baseline
▲ 0.50% · 4.625%
HK$19,869
+HK$995/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$37,748/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).