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$8,916
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,194
−HK$281/mo
Today · 4.125%
HK$9,475
baseline
▲ 0.50% · 4.625%
HK$10,052
+HK$577/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$18,950/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$9,919
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,185
−HK$270/mo
Today · 4.125%
HK$10,455
baseline
▲ 0.50% · 4.625%
HK$11,006
+HK$551/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,910/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$10,699
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,032
−HK$338/mo
Today · 4.125%
HK$11,370
baseline
▲ 0.50% · 4.625%
HK$12,062
+HK$692/mo
Deposit HK$1.56M · loan HK$2.35M · min. income ≈ HK$22,740/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$11,903
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,222
−HK$324/mo
Today · 4.125%
HK$12,546
baseline
▲ 0.50% · 4.625%
HK$13,207
+HK$661/mo
Deposit HK$1.56M · loan HK$2.35M · min. income ≈ HK$25,092/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$12,483
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,871
−HK$395/mo
Today · 4.125%
HK$13,266
baseline
▲ 0.50% · 4.625%
HK$14,073
+HK$807/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$26,532/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$13,887
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,259
−HK$378/mo
Today · 4.125%
HK$14,637
baseline
▲ 0.50% · 4.625%
HK$15,409
+HK$772/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$29,274/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$16,049
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,548
−HK$508/mo
Today · 4.125%
HK$17,056
baseline
▲ 0.50% · 4.625%
HK$18,093
+HK$1,037/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$34,112/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$17,855
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,333
−HK$486/mo
Today · 4.125%
HK$18,819
baseline
▲ 0.50% · 4.625%
HK$19,811
+HK$992/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$37,638/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).