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$8,922
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,200
−HK$282/mo
Today · 4.125%
HK$9,482
baseline
▲ 0.50% · 4.625%
HK$10,059
+HK$577/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$18,964/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$9,926
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,192
−HK$270/mo
Today · 4.125%
HK$10,462
baseline
▲ 0.50% · 4.625%
HK$11,014
+HK$552/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,924/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$10,707
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,040
−HK$338/mo
Today · 4.125%
HK$11,378
baseline
▲ 0.50% · 4.625%
HK$12,070
+HK$692/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,756/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$11,911
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,231
−HK$324/mo
Today · 4.125%
HK$12,555
baseline
▲ 0.50% · 4.625%
HK$13,216
+HK$661/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,110/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$12,491
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,880
−HK$394/mo
Today · 4.125%
HK$13,274
baseline
▲ 0.50% · 4.625%
HK$14,082
+HK$808/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$26,548/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,896
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,269
−HK$378/mo
Today · 4.125%
HK$14,647
baseline
▲ 0.50% · 4.625%
HK$15,419
+HK$772/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$29,294/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,060
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,560
−HK$507/mo
Today · 4.125%
HK$17,067
baseline
▲ 0.50% · 4.625%
HK$18,106
+HK$1,039/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$34,134/mo (50% DSR)
Upfront cash ≈ HK$391K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,867
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,346
−HK$486/mo
Today · 4.125%
HK$18,832
baseline
▲ 0.50% · 4.625%
HK$19,825
+HK$993/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$37,664/mo (50% DSR)
Upfront cash ≈ HK$391K (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).