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$8,958
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,237
−HK$283/mo
Today · 4.125%
HK$9,520
baseline
▲ 0.50% · 4.625%
HK$10,100
+HK$580/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,040/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$9,966
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,233
−HK$272/mo
Today · 4.125%
HK$10,505
baseline
▲ 0.50% · 4.625%
HK$11,058
+HK$553/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$21,010/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$10,750
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,085
−HK$339/mo
Today · 4.125%
HK$11,424
baseline
▲ 0.50% · 4.625%
HK$12,119
+HK$695/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,848/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$11,959
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,280
−HK$326/mo
Today · 4.125%
HK$12,606
baseline
▲ 0.50% · 4.625%
HK$13,270
+HK$664/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,212/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$12,542
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,932
−HK$396/mo
Today · 4.125%
HK$13,328
baseline
▲ 0.50% · 4.625%
HK$14,139
+HK$811/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,656/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$13,953
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,327
−HK$379/mo
Today · 4.125%
HK$14,706
baseline
▲ 0.50% · 4.625%
HK$15,482
+HK$776/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,412/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$16,125
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,627
−HK$509/mo
Today · 4.125%
HK$17,136
baseline
▲ 0.50% · 4.625%
HK$18,179
+HK$1,043/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$34,272/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$17,939
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,420
−HK$488/mo
Today · 4.125%
HK$18,908
baseline
▲ 0.50% · 4.625%
HK$19,905
+HK$997/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$37,816/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).