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$8,940
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,218
−HK$283/mo
Today · 4.125%
HK$9,501
baseline
▲ 0.50% · 4.625%
HK$10,079
+HK$578/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,002/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$9,946
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,213
−HK$270/mo
Today · 4.125%
HK$10,483
baseline
▲ 0.50% · 4.625%
HK$11,036
+HK$553/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,966/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$10,728
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,062
−HK$339/mo
Today · 4.125%
HK$11,401
baseline
▲ 0.50% · 4.625%
HK$12,095
+HK$694/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,802/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$11,935
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,255
−HK$325/mo
Today · 4.125%
HK$12,580
baseline
▲ 0.50% · 4.625%
HK$13,243
+HK$663/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,160/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$12,516
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,906
−HK$395/mo
Today · 4.125%
HK$13,301
baseline
▲ 0.50% · 4.625%
HK$14,111
+HK$810/mo
Deposit HK$1.18M · loan HK$2.74M · min. income ≈ HK$26,602/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$13,924
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,298
−HK$379/mo
Today · 4.125%
HK$14,677
baseline
▲ 0.50% · 4.625%
HK$15,450
+HK$773/mo
Deposit HK$1.18M · loan HK$2.74M · min. income ≈ HK$29,354/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$16,093
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,593
−HK$509/mo
Today · 4.125%
HK$17,102
baseline
▲ 0.50% · 4.625%
HK$18,142
+HK$1,040/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$34,204/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$17,903
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,383
−HK$487/mo
Today · 4.125%
HK$18,870
baseline
▲ 0.50% · 4.625%
HK$19,865
+HK$995/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$37,740/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).