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$561/mo
▼ 0.25% · 3.875%
HK$9,210
−HK$283/mo
Today · 4.125%
HK$9,493
baseline
▲ 0.50% · 4.625%
HK$10,070
+HK$577/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$18,986/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$537/mo
▼ 0.25% · 3.875%
HK$10,204
−HK$270/mo
Today · 4.125%
HK$10,474
baseline
▲ 0.50% · 4.625%
HK$11,026
+HK$552/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,948/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$10,719
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,052
−HK$339/mo
Today · 4.125%
HK$11,391
baseline
▲ 0.50% · 4.625%
HK$12,084
+HK$693/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,782/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$11,925
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,244
−HK$325/mo
Today · 4.125%
HK$12,569
baseline
▲ 0.50% · 4.625%
HK$13,231
+HK$662/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,138/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$785/mo
▼ 0.25% · 3.875%
HK$12,894
−HK$396/mo
Today · 4.125%
HK$13,290
baseline
▲ 0.50% · 4.625%
HK$14,098
+HK$808/mo
Deposit HK$1.18M · loan HK$2.74M · min. income ≈ HK$26,580/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$13,912
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,285
−HK$379/mo
Today · 4.125%
HK$14,664
baseline
▲ 0.50% · 4.625%
HK$15,437
+HK$773/mo
Deposit HK$1.18M · loan HK$2.74M · min. income ≈ HK$29,328/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$16,078
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,578
−HK$509/mo
Today · 4.125%
HK$17,087
baseline
▲ 0.50% · 4.625%
HK$18,126
+HK$1,039/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$34,174/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$17,887
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,367
−HK$486/mo
Today · 4.125%
HK$18,853
baseline
▲ 0.50% · 4.625%
HK$19,847
+HK$994/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$37,706/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).