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$8,959
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,238
−HK$283/mo
Today · 4.125%
HK$9,521
baseline
▲ 0.50% · 4.625%
HK$10,100
+HK$579/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,042/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$9,967
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,234
−HK$272/mo
Today · 4.125%
HK$10,506
baseline
▲ 0.50% · 4.625%
HK$11,059
+HK$553/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$21,012/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$10,751
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,085
−HK$340/mo
Today · 4.125%
HK$11,425
baseline
▲ 0.50% · 4.625%
HK$12,120
+HK$695/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,850/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$11,960
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,281
−HK$326/mo
Today · 4.125%
HK$12,607
baseline
▲ 0.50% · 4.625%
HK$13,271
+HK$664/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,214/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$12,543
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,933
−HK$396/mo
Today · 4.125%
HK$13,329
baseline
▲ 0.50% · 4.625%
HK$14,140
+HK$811/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,658/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$13,954
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,328
−HK$380/mo
Today · 4.125%
HK$14,708
baseline
▲ 0.50% · 4.625%
HK$15,483
+HK$775/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,416/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$16,127
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,628
−HK$510/mo
Today · 4.125%
HK$17,138
baseline
▲ 0.50% · 4.625%
HK$18,181
+HK$1,043/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$34,276/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$17,941
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,422
−HK$488/mo
Today · 4.125%
HK$18,910
baseline
▲ 0.50% · 4.625%
HK$19,907
+HK$997/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$37,820/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).