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$9,226
−HK$283/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$537/mo
▼ 0.25% · 3.875%
HK$10,222
−HK$270/mo
Today · 4.125%
HK$10,492
baseline
▲ 0.50% · 4.625%
HK$11,045
+HK$553/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,984/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$12,105
+HK$694/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$11,945
−HK$646/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$12,527
−HK$786/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$13,936
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,310
−HK$379/mo
Today · 4.125%
HK$14,689
baseline
▲ 0.50% · 4.625%
HK$15,464
+HK$775/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,378/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$16,106
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,607
−HK$509/mo
Today · 4.125%
HK$17,116
baseline
▲ 0.50% · 4.625%
HK$18,158
+HK$1,042/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$34,232/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$17,918
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,399
−HK$487/mo
Today · 4.125%
HK$18,886
baseline
▲ 0.50% · 4.625%
HK$19,882
+HK$996/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$37,772/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).