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$8,937
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,215
−HK$283/mo
Today · 4.125%
HK$9,498
baseline
▲ 0.50% · 4.625%
HK$10,076
+HK$578/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$18,996/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$9,943
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,209
−HK$271/mo
Today · 4.125%
HK$10,480
baseline
▲ 0.50% · 4.625%
HK$11,032
+HK$552/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,960/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$10,725
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,058
−HK$339/mo
Today · 4.125%
HK$11,397
baseline
▲ 0.50% · 4.625%
HK$12,091
+HK$694/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,794/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$11,931
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,251
−HK$325/mo
Today · 4.125%
HK$12,576
baseline
▲ 0.50% · 4.625%
HK$13,239
+HK$663/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,152/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$12,512
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,901
−HK$396/mo
Today · 4.125%
HK$13,297
baseline
▲ 0.50% · 4.625%
HK$14,106
+HK$809/mo
Deposit HK$1.18M · loan HK$2.74M · min. income ≈ HK$26,594/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$13,920
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,293
−HK$379/mo
Today · 4.125%
HK$14,672
baseline
▲ 0.50% · 4.625%
HK$15,445
+HK$773/mo
Deposit HK$1.18M · loan HK$2.74M · min. income ≈ HK$29,344/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$16,087
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,587
−HK$509/mo
Today · 4.125%
HK$17,096
baseline
▲ 0.50% · 4.625%
HK$18,136
+HK$1,040/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$34,192/mo (50% DSR)
Upfront cash ≈ HK$392K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,897
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,377
−HK$486/mo
Today · 4.125%
HK$18,863
baseline
▲ 0.50% · 4.625%
HK$19,858
+HK$995/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$37,726/mo (50% DSR)
Upfront cash ≈ HK$392K (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).