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$560/mo
▼ 0.25% · 3.875%
HK$9,215
−HK$282/mo
Today · 4.125%
HK$9,497
baseline
▲ 0.50% · 4.625%
HK$10,075
+HK$578/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$18,994/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$9,942
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,209
−HK$270/mo
Today · 4.125%
HK$10,479
baseline
▲ 0.50% · 4.625%
HK$11,031
+HK$552/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,958/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$10,724
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,057
−HK$339/mo
Today · 4.125%
HK$11,396
baseline
▲ 0.50% · 4.625%
HK$12,090
+HK$694/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,792/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$11,930
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,250
−HK$325/mo
Today · 4.125%
HK$12,575
baseline
▲ 0.50% · 4.625%
HK$13,238
+HK$663/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,150/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$12,511
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,900
−HK$396/mo
Today · 4.125%
HK$13,296
baseline
▲ 0.50% · 4.625%
HK$14,105
+HK$809/mo
Deposit HK$1.18M · loan HK$2.74M · min. income ≈ HK$26,592/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$13,919
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,292
−HK$379/mo
Today · 4.125%
HK$14,671
baseline
▲ 0.50% · 4.625%
HK$15,444
+HK$773/mo
Deposit HK$1.18M · loan HK$2.74M · min. income ≈ HK$29,342/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$16,086
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,586
−HK$509/mo
Today · 4.125%
HK$17,095
baseline
▲ 0.50% · 4.625%
HK$18,135
+HK$1,040/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$34,190/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$17,895
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,375
−HK$487/mo
Today · 4.125%
HK$18,862
baseline
▲ 0.50% · 4.625%
HK$19,856
+HK$994/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$37,724/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).