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$8,917
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,195
−HK$281/mo
Today · 4.125%
HK$9,476
baseline
▲ 0.50% · 4.625%
HK$10,053
+HK$577/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$18,952/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$9,920
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,186
−HK$270/mo
Today · 4.125%
HK$10,456
baseline
▲ 0.50% · 4.625%
HK$11,007
+HK$551/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,912/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$10,701
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,034
−HK$338/mo
Today · 4.125%
HK$11,372
baseline
▲ 0.50% · 4.625%
HK$12,064
+HK$692/mo
Deposit HK$1.56M · loan HK$2.35M · min. income ≈ HK$22,744/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$11,904
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,224
−HK$324/mo
Today · 4.125%
HK$12,548
baseline
▲ 0.50% · 4.625%
HK$13,209
+HK$661/mo
Deposit HK$1.56M · loan HK$2.35M · min. income ≈ HK$25,096/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$12,484
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,872
−HK$395/mo
Today · 4.125%
HK$13,267
baseline
▲ 0.50% · 4.625%
HK$14,074
+HK$807/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$26,534/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$13,889
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,261
−HK$378/mo
Today · 4.125%
HK$14,639
baseline
▲ 0.50% · 4.625%
HK$15,410
+HK$771/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$29,278/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$16,051
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,550
−HK$508/mo
Today · 4.125%
HK$17,058
baseline
▲ 0.50% · 4.625%
HK$18,096
+HK$1,038/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$34,116/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$17,857
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,336
−HK$485/mo
Today · 4.125%
HK$18,821
baseline
▲ 0.50% · 4.625%
HK$19,813
+HK$992/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$37,642/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).