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$8,955
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,234
−HK$283/mo
Today · 4.125%
HK$9,517
baseline
▲ 0.50% · 4.625%
HK$10,096
+HK$579/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,034/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$9,963
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,230
−HK$271/mo
Today · 4.125%
HK$10,501
baseline
▲ 0.50% · 4.625%
HK$11,054
+HK$553/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$21,002/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$10,746
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,081
−HK$339/mo
Today · 4.125%
HK$11,420
baseline
▲ 0.50% · 4.625%
HK$12,115
+HK$695/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,840/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$11,955
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,276
−HK$325/mo
Today · 4.125%
HK$12,601
baseline
▲ 0.50% · 4.625%
HK$13,265
+HK$664/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,202/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$12,537
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,927
−HK$397/mo
Today · 4.125%
HK$13,324
baseline
▲ 0.50% · 4.625%
HK$14,134
+HK$810/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,648/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$13,948
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,322
−HK$379/mo
Today · 4.125%
HK$14,701
baseline
▲ 0.50% · 4.625%
HK$15,476
+HK$775/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,402/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$16,120
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,621
−HK$509/mo
Today · 4.125%
HK$17,130
baseline
▲ 0.50% · 4.625%
HK$18,173
+HK$1,043/mo
Deposit HK$393K · loan HK$3.53M · min. income ≈ HK$34,260/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$17,933
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,414
−HK$488/mo
Today · 4.125%
HK$18,902
baseline
▲ 0.50% · 4.625%
HK$19,898
+HK$996/mo
Deposit HK$393K · loan HK$3.53M · min. income ≈ HK$37,804/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).