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$8,921
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,198
−HK$282/mo
Today · 4.125%
HK$9,480
baseline
▲ 0.50% · 4.625%
HK$10,057
+HK$577/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$18,960/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$9,924
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,191
−HK$270/mo
Today · 4.125%
HK$10,461
baseline
▲ 0.50% · 4.625%
HK$11,012
+HK$551/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,922/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$10,705
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,038
−HK$338/mo
Today · 4.125%
HK$11,376
baseline
▲ 0.50% · 4.625%
HK$12,069
+HK$693/mo
Deposit HK$1.56M · loan HK$2.35M · min. income ≈ HK$22,752/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,909
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,229
−HK$324/mo
Today · 4.125%
HK$12,553
baseline
▲ 0.50% · 4.625%
HK$13,214
+HK$661/mo
Deposit HK$1.56M · loan HK$2.35M · min. income ≈ HK$25,106/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,489
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,878
−HK$394/mo
Today · 4.125%
HK$13,272
baseline
▲ 0.50% · 4.625%
HK$14,080
+HK$808/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$26,544/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$13,894
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,267
−HK$378/mo
Today · 4.125%
HK$14,645
baseline
▲ 0.50% · 4.625%
HK$15,417
+HK$772/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$29,290/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$16,058
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,557
−HK$507/mo
Today · 4.125%
HK$17,064
baseline
▲ 0.50% · 4.625%
HK$18,103
+HK$1,039/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$34,128/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$17,864
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,343
−HK$486/mo
Today · 4.125%
HK$18,829
baseline
▲ 0.50% · 4.625%
HK$19,821
+HK$992/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$37,658/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).