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$8,949
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,228
−HK$282/mo
Today · 4.125%
HK$9,510
baseline
▲ 0.50% · 4.625%
HK$10,089
+HK$579/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,020/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$9,956
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,223
−HK$271/mo
Today · 4.125%
HK$10,494
baseline
▲ 0.50% · 4.625%
HK$11,047
+HK$553/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,988/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$10,739
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,073
−HK$339/mo
Today · 4.125%
HK$11,412
baseline
▲ 0.50% · 4.625%
HK$12,107
+HK$695/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,824/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$11,947
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,267
−HK$325/mo
Today · 4.125%
HK$12,592
baseline
▲ 0.50% · 4.625%
HK$13,256
+HK$664/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,184/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$12,529
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,919
−HK$395/mo
Today · 4.125%
HK$13,314
baseline
▲ 0.50% · 4.625%
HK$14,125
+HK$811/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,628/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$13,938
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,312
−HK$379/mo
Today · 4.125%
HK$14,691
baseline
▲ 0.50% · 4.625%
HK$15,466
+HK$775/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,382/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$16,108
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,610
−HK$509/mo
Today · 4.125%
HK$17,119
baseline
▲ 0.50% · 4.625%
HK$18,160
+HK$1,041/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$34,238/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$17,921
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,401
−HK$488/mo
Today · 4.125%
HK$18,889
baseline
▲ 0.50% · 4.625%
HK$19,884
+HK$995/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$37,778/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).