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$8,932
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,210
−HK$282/mo
Today · 4.125%
HK$9,492
baseline
▲ 0.50% · 4.625%
HK$10,070
+HK$578/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$18,984/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$9,937
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,203
−HK$270/mo
Today · 4.125%
HK$10,473
baseline
▲ 0.50% · 4.625%
HK$11,026
+HK$553/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,946/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$10,718
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,052
−HK$338/mo
Today · 4.125%
HK$11,390
baseline
▲ 0.50% · 4.625%
HK$12,083
+HK$693/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,780/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$11,924
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,244
−HK$324/mo
Today · 4.125%
HK$12,568
baseline
▲ 0.50% · 4.625%
HK$13,231
+HK$663/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,136/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$12,505
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,894
−HK$395/mo
Today · 4.125%
HK$13,289
baseline
▲ 0.50% · 4.625%
HK$14,097
+HK$808/mo
Deposit HK$1.18M · loan HK$2.74M · min. income ≈ HK$26,578/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$13,911
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,284
−HK$379/mo
Today · 4.125%
HK$14,663
baseline
▲ 0.50% · 4.625%
HK$15,436
+HK$773/mo
Deposit HK$1.18M · loan HK$2.74M · min. income ≈ HK$29,326/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$16,077
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,577
−HK$509/mo
Today · 4.125%
HK$17,086
baseline
▲ 0.50% · 4.625%
HK$18,125
+HK$1,039/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$34,172/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$17,886
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,366
−HK$486/mo
Today · 4.125%
HK$18,852
baseline
▲ 0.50% · 4.625%
HK$19,846
+HK$994/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$37,704/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).