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$8,946
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,224
−HK$283/mo
Today · 4.125%
HK$9,507
baseline
▲ 0.50% · 4.625%
HK$10,086
+HK$579/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,014/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$9,953
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,219
−HK$271/mo
Today · 4.125%
HK$10,490
baseline
▲ 0.50% · 4.625%
HK$11,043
+HK$553/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,980/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$10,735
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,069
−HK$340/mo
Today · 4.125%
HK$11,409
baseline
▲ 0.50% · 4.625%
HK$12,103
+HK$694/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,818/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$11,943
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,263
−HK$325/mo
Today · 4.125%
HK$12,588
baseline
▲ 0.50% · 4.625%
HK$13,252
+HK$664/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,176/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$12,525
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,914
−HK$396/mo
Today · 4.125%
HK$13,310
baseline
▲ 0.50% · 4.625%
HK$14,120
+HK$810/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,620/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$13,934
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,307
−HK$379/mo
Today · 4.125%
HK$14,686
baseline
▲ 0.50% · 4.625%
HK$15,460
+HK$774/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,372/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$16,103
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,604
−HK$509/mo
Today · 4.125%
HK$17,113
baseline
▲ 0.50% · 4.625%
HK$18,154
+HK$1,041/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$34,226/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$17,915
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,395
−HK$487/mo
Today · 4.125%
HK$18,882
baseline
▲ 0.50% · 4.625%
HK$19,878
+HK$996/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$37,764/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).