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$8,952
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,230
−HK$283/mo
Today · 4.125%
HK$9,513
baseline
▲ 0.50% · 4.625%
HK$10,092
+HK$579/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,026/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$9,959
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,226
−HK$271/mo
Today · 4.125%
HK$10,497
baseline
▲ 0.50% · 4.625%
HK$11,050
+HK$553/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,994/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$10,742
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,076
−HK$340/mo
Today · 4.125%
HK$11,416
baseline
▲ 0.50% · 4.625%
HK$12,110
+HK$694/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,832/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$11,950
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,271
−HK$325/mo
Today · 4.125%
HK$12,596
baseline
▲ 0.50% · 4.625%
HK$13,260
+HK$664/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,192/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$12,532
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,922
−HK$396/mo
Today · 4.125%
HK$13,318
baseline
▲ 0.50% · 4.625%
HK$14,129
+HK$811/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,636/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$13,942
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,316
−HK$379/mo
Today · 4.125%
HK$14,695
baseline
▲ 0.50% · 4.625%
HK$15,470
+HK$775/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,390/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$16,113
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,614
−HK$509/mo
Today · 4.125%
HK$17,123
baseline
▲ 0.50% · 4.625%
HK$18,165
+HK$1,042/mo
Deposit HK$393K · loan HK$3.53M · min. income ≈ HK$34,246/mo (50% DSR)
Upfront cash ≈ HK$393K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,926
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,406
−HK$488/mo
Today · 4.125%
HK$18,894
baseline
▲ 0.50% · 4.625%
HK$19,890
+HK$996/mo
Deposit HK$393K · loan HK$3.53M · min. income ≈ HK$37,788/mo (50% DSR)
Upfront cash ≈ HK$393K (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).