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$538/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$10,724
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,058
−HK$339/mo
Today · 4.125%
HK$11,397
baseline
▲ 0.50% · 4.625%
HK$12,090
+HK$693/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$644/mo
▼ 0.25% · 3.875%
HK$12,251
−HK$324/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$12,512
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,901
−HK$395/mo
Today · 4.125%
HK$13,296
baseline
▲ 0.50% · 4.625%
HK$14,106
+HK$810/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$14,293
−HK$378/mo
Today · 4.125%
HK$14,671
baseline
▲ 0.50% · 4.625%
HK$15,445
+HK$774/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$16,087
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,587
−HK$508/mo
Today · 4.125%
HK$17,095
baseline
▲ 0.50% · 4.625%
HK$18,136
+HK$1,041/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$17,896
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,376
−HK$487/mo
Today · 4.125%
HK$18,863
baseline
▲ 0.50% · 4.625%
HK$19,857
+HK$994/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).