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$8,954
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,232
−HK$283/mo
Today · 4.125%
HK$9,515
baseline
▲ 0.50% · 4.625%
HK$10,094
+HK$579/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,030/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$9,961
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,228
−HK$271/mo
Today · 4.125%
HK$10,499
baseline
▲ 0.50% · 4.625%
HK$11,053
+HK$554/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,998/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$10,745
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,079
−HK$339/mo
Today · 4.125%
HK$11,418
baseline
▲ 0.50% · 4.625%
HK$12,113
+HK$695/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,836/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$11,953
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,274
−HK$325/mo
Today · 4.125%
HK$12,599
baseline
▲ 0.50% · 4.625%
HK$13,263
+HK$664/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,198/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$12,535
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,925
−HK$396/mo
Today · 4.125%
HK$13,321
baseline
▲ 0.50% · 4.625%
HK$14,132
+HK$811/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,642/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$13,945
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,319
−HK$380/mo
Today · 4.125%
HK$14,699
baseline
▲ 0.50% · 4.625%
HK$15,474
+HK$775/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,398/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$16,117
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,618
−HK$509/mo
Today · 4.125%
HK$17,127
baseline
▲ 0.50% · 4.625%
HK$18,170
+HK$1,043/mo
Deposit HK$393K · loan HK$3.53M · min. income ≈ HK$34,254/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$17,930
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,411
−HK$487/mo
Today · 4.125%
HK$18,898
baseline
▲ 0.50% · 4.625%
HK$19,895
+HK$997/mo
Deposit HK$393K · loan HK$3.53M · min. income ≈ HK$37,796/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).