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$8,936
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,214
−HK$282/mo
Today · 4.125%
HK$9,496
baseline
▲ 0.50% · 4.625%
HK$10,074
+HK$578/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$18,992/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$9,941
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,208
−HK$270/mo
Today · 4.125%
HK$10,478
baseline
▲ 0.50% · 4.625%
HK$11,030
+HK$552/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,956/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$10,723
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,057
−HK$338/mo
Today · 4.125%
HK$11,395
baseline
▲ 0.50% · 4.625%
HK$12,089
+HK$694/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,790/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$11,929
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,249
−HK$325/mo
Today · 4.125%
HK$12,574
baseline
▲ 0.50% · 4.625%
HK$13,236
+HK$662/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,148/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$12,510
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,899
−HK$396/mo
Today · 4.125%
HK$13,295
baseline
▲ 0.50% · 4.625%
HK$14,104
+HK$809/mo
Deposit HK$1.18M · loan HK$2.74M · min. income ≈ HK$26,590/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$13,917
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,291
−HK$378/mo
Today · 4.125%
HK$14,669
baseline
▲ 0.50% · 4.625%
HK$15,443
+HK$774/mo
Deposit HK$1.18M · loan HK$2.74M · min. income ≈ HK$29,338/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$16,084
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,585
−HK$508/mo
Today · 4.125%
HK$17,093
baseline
▲ 0.50% · 4.625%
HK$18,133
+HK$1,040/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$34,186/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$17,894
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,374
−HK$487/mo
Today · 4.125%
HK$18,861
baseline
▲ 0.50% · 4.625%
HK$19,855
+HK$994/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$37,722/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).