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$8,948
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,227
−HK$282/mo
Today · 4.125%
HK$9,509
baseline
▲ 0.50% · 4.625%
HK$10,088
+HK$579/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,018/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$9,955
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,222
−HK$271/mo
Today · 4.125%
HK$10,493
baseline
▲ 0.50% · 4.625%
HK$11,046
+HK$553/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,986/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$10,738
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,072
−HK$339/mo
Today · 4.125%
HK$11,411
baseline
▲ 0.50% · 4.625%
HK$12,106
+HK$695/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,822/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$11,946
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,266
−HK$325/mo
Today · 4.125%
HK$12,591
baseline
▲ 0.50% · 4.625%
HK$13,255
+HK$664/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,182/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$12,528
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,917
−HK$396/mo
Today · 4.125%
HK$13,313
baseline
▲ 0.50% · 4.625%
HK$14,123
+HK$810/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,626/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$13,937
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,311
−HK$379/mo
Today · 4.125%
HK$14,690
baseline
▲ 0.50% · 4.625%
HK$15,464
+HK$774/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,380/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$16,107
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,608
−HK$509/mo
Today · 4.125%
HK$17,117
baseline
▲ 0.50% · 4.625%
HK$18,158
+HK$1,041/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$34,234/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$17,919
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,399
−HK$488/mo
Today · 4.125%
HK$18,887
baseline
▲ 0.50% · 4.625%
HK$19,882
+HK$995/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$37,774/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).