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$8,926
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,203
−HK$282/mo
Today · 4.125%
HK$9,485
baseline
▲ 0.50% · 4.625%
HK$10,063
+HK$578/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$18,970/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$9,930
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,196
−HK$270/mo
Today · 4.125%
HK$10,466
baseline
▲ 0.50% · 4.625%
HK$11,018
+HK$552/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,932/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$10,711
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,044
−HK$339/mo
Today · 4.125%
HK$11,383
baseline
▲ 0.50% · 4.625%
HK$12,075
+HK$692/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,766/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$11,916
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,235
−HK$324/mo
Today · 4.125%
HK$12,559
baseline
▲ 0.50% · 4.625%
HK$13,222
+HK$663/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,118/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$12,496
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,885
−HK$395/mo
Today · 4.125%
HK$13,280
baseline
▲ 0.50% · 4.625%
HK$14,088
+HK$808/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$26,560/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$13,902
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,275
−HK$378/mo
Today · 4.125%
HK$14,653
baseline
▲ 0.50% · 4.625%
HK$15,425
+HK$772/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$29,306/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$16,066
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,566
−HK$508/mo
Today · 4.125%
HK$17,074
baseline
▲ 0.50% · 4.625%
HK$18,113
+HK$1,039/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$34,148/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$17,874
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,353
−HK$486/mo
Today · 4.125%
HK$18,839
baseline
▲ 0.50% · 4.625%
HK$19,832
+HK$993/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$37,678/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).