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$8,960
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,238
−HK$284/mo
Today · 4.125%
HK$9,522
baseline
▲ 0.50% · 4.625%
HK$10,101
+HK$579/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,044/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$9,968
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,235
−HK$271/mo
Today · 4.125%
HK$10,506
baseline
▲ 0.50% · 4.625%
HK$11,060
+HK$554/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$21,012/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$10,752
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,086
−HK$340/mo
Today · 4.125%
HK$11,426
baseline
▲ 0.50% · 4.625%
HK$12,121
+HK$695/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,852/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$11,961
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,282
−HK$325/mo
Today · 4.125%
HK$12,607
baseline
▲ 0.50% · 4.625%
HK$13,272
+HK$665/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,214/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$12,544
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,934
−HK$396/mo
Today · 4.125%
HK$13,330
baseline
▲ 0.50% · 4.625%
HK$14,141
+HK$811/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,660/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$13,955
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,329
−HK$379/mo
Today · 4.125%
HK$14,708
baseline
▲ 0.50% · 4.625%
HK$15,484
+HK$776/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,416/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$16,127
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,629
−HK$510/mo
Today · 4.125%
HK$17,139
baseline
▲ 0.50% · 4.625%
HK$18,182
+HK$1,043/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$34,278/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$17,942
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,423
−HK$488/mo
Today · 4.125%
HK$18,911
baseline
▲ 0.50% · 4.625%
HK$19,908
+HK$997/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$37,822/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).