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$8,945
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,223
−HK$283/mo
Today · 4.125%
HK$9,506
baseline
▲ 0.50% · 4.625%
HK$10,084
+HK$578/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,012/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$9,951
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,218
−HK$271/mo
Today · 4.125%
HK$10,489
baseline
▲ 0.50% · 4.625%
HK$11,041
+HK$552/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,978/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$10,734
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,068
−HK$339/mo
Today · 4.125%
HK$11,407
baseline
▲ 0.50% · 4.625%
HK$12,101
+HK$694/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,814/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$11,941
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,261
−HK$325/mo
Today · 4.125%
HK$12,586
baseline
▲ 0.50% · 4.625%
HK$13,250
+HK$664/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,172/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$12,523
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,912
−HK$396/mo
Today · 4.125%
HK$13,308
baseline
▲ 0.50% · 4.625%
HK$14,118
+HK$810/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,616/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$13,931
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,305
−HK$379/mo
Today · 4.125%
HK$14,684
baseline
▲ 0.50% · 4.625%
HK$15,458
+HK$774/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,368/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$16,101
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,601
−HK$509/mo
Today · 4.125%
HK$17,110
baseline
▲ 0.50% · 4.625%
HK$18,151
+HK$1,041/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$34,220/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$17,912
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,392
−HK$487/mo
Today · 4.125%
HK$18,879
baseline
▲ 0.50% · 4.625%
HK$19,875
+HK$996/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$37,758/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).