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$8,958
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,236
−HK$283/mo
Today · 4.125%
HK$9,519
baseline
▲ 0.50% · 4.625%
HK$10,099
+HK$580/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,038/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$9,965
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,233
−HK$271/mo
Today · 4.125%
HK$10,504
baseline
▲ 0.50% · 4.625%
HK$11,057
+HK$553/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$21,008/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$10,749
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,084
−HK$339/mo
Today · 4.125%
HK$11,423
baseline
▲ 0.50% · 4.625%
HK$12,118
+HK$695/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,846/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$11,958
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,279
−HK$326/mo
Today · 4.125%
HK$12,605
baseline
▲ 0.50% · 4.625%
HK$13,269
+HK$664/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,210/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$12,541
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,931
−HK$396/mo
Today · 4.125%
HK$13,327
baseline
▲ 0.50% · 4.625%
HK$14,138
+HK$811/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,654/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$13,952
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,326
−HK$379/mo
Today · 4.125%
HK$14,705
baseline
▲ 0.50% · 4.625%
HK$15,480
+HK$775/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,410/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$16,124
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,625
−HK$510/mo
Today · 4.125%
HK$17,135
baseline
▲ 0.50% · 4.625%
HK$18,178
+HK$1,043/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$34,270/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$17,938
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,419
−HK$488/mo
Today · 4.125%
HK$18,907
baseline
▲ 0.50% · 4.625%
HK$19,903
+HK$996/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$37,814/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).