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$8,927
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,205
−HK$282/mo
Today · 4.125%
HK$9,487
baseline
▲ 0.50% · 4.625%
HK$10,064
+HK$577/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$18,974/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$9,931
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,198
−HK$270/mo
Today · 4.125%
HK$10,468
baseline
▲ 0.50% · 4.625%
HK$11,020
+HK$552/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,936/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$10,713
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,046
−HK$338/mo
Today · 4.125%
HK$11,384
baseline
▲ 0.50% · 4.625%
HK$12,077
+HK$693/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,768/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$11,918
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,237
−HK$324/mo
Today · 4.125%
HK$12,561
baseline
▲ 0.50% · 4.625%
HK$13,224
+HK$663/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,122/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$12,498
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,887
−HK$395/mo
Today · 4.125%
HK$13,282
baseline
▲ 0.50% · 4.625%
HK$14,090
+HK$808/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$26,564/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$13,904
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,277
−HK$378/mo
Today · 4.125%
HK$14,655
baseline
▲ 0.50% · 4.625%
HK$15,428
+HK$773/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$29,310/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$16,069
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,569
−HK$507/mo
Today · 4.125%
HK$17,076
baseline
▲ 0.50% · 4.625%
HK$18,116
+HK$1,040/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$34,152/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$17,876
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,356
−HK$486/mo
Today · 4.125%
HK$18,842
baseline
▲ 0.50% · 4.625%
HK$19,835
+HK$993/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$37,684/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).