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$8,952
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,231
−HK$283/mo
Today · 4.125%
HK$9,514
baseline
▲ 0.50% · 4.625%
HK$10,093
+HK$579/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,028/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$9,959
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,227
−HK$271/mo
Today · 4.125%
HK$10,498
baseline
▲ 0.50% · 4.625%
HK$11,051
+HK$553/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,996/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$10,743
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,077
−HK$340/mo
Today · 4.125%
HK$11,417
baseline
▲ 0.50% · 4.625%
HK$12,111
+HK$694/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,834/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$11,951
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,272
−HK$325/mo
Today · 4.125%
HK$12,597
baseline
▲ 0.50% · 4.625%
HK$13,261
+HK$664/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,194/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$12,533
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,923
−HK$396/mo
Today · 4.125%
HK$13,319
baseline
▲ 0.50% · 4.625%
HK$14,130
+HK$811/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,638/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$13,943
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,317
−HK$380/mo
Today · 4.125%
HK$14,697
baseline
▲ 0.50% · 4.625%
HK$15,471
+HK$774/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,394/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$16,114
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,616
−HK$509/mo
Today · 4.125%
HK$17,125
baseline
▲ 0.50% · 4.625%
HK$18,167
+HK$1,042/mo
Deposit HK$393K · loan HK$3.53M · min. income ≈ HK$34,250/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$17,927
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,408
−HK$488/mo
Today · 4.125%
HK$18,896
baseline
▲ 0.50% · 4.625%
HK$19,892
+HK$996/mo
Deposit HK$393K · loan HK$3.53M · min. income ≈ HK$37,792/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).