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$8,924
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,202
−HK$282/mo
Today · 4.125%
HK$9,484
baseline
▲ 0.50% · 4.625%
HK$10,061
+HK$577/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$18,968/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$9,928
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,195
−HK$270/mo
Today · 4.125%
HK$10,465
baseline
▲ 0.50% · 4.625%
HK$11,016
+HK$551/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,930/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$10,709
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,042
−HK$339/mo
Today · 4.125%
HK$11,381
baseline
▲ 0.50% · 4.625%
HK$12,073
+HK$692/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,762/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$11,914
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,234
−HK$324/mo
Today · 4.125%
HK$12,558
baseline
▲ 0.50% · 4.625%
HK$13,220
+HK$662/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,116/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$12,494
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,883
−HK$395/mo
Today · 4.125%
HK$13,278
baseline
▲ 0.50% · 4.625%
HK$14,086
+HK$808/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$26,556/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,900
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,272
−HK$379/mo
Today · 4.125%
HK$14,651
baseline
▲ 0.50% · 4.625%
HK$15,423
+HK$772/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$29,302/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,064
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,564
−HK$507/mo
Today · 4.125%
HK$17,071
baseline
▲ 0.50% · 4.625%
HK$18,110
+HK$1,039/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$34,142/mo (50% DSR)
Upfront cash ≈ HK$391K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,871
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,350
−HK$487/mo
Today · 4.125%
HK$18,837
baseline
▲ 0.50% · 4.625%
HK$19,829
+HK$992/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$37,674/mo (50% DSR)
Upfront cash ≈ HK$391K (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).