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$8,918
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,196
−HK$282/mo
Today · 4.125%
HK$9,478
baseline
▲ 0.50% · 4.625%
HK$10,054
+HK$576/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$18,956/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$9,922
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,188
−HK$270/mo
Today · 4.125%
HK$10,458
baseline
▲ 0.50% · 4.625%
HK$11,009
+HK$551/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,916/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$10,702
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,035
−HK$338/mo
Today · 4.125%
HK$11,373
baseline
▲ 0.50% · 4.625%
HK$12,065
+HK$692/mo
Deposit HK$1.56M · loan HK$2.35M · min. income ≈ HK$22,746/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,906
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,225
−HK$324/mo
Today · 4.125%
HK$12,549
baseline
▲ 0.50% · 4.625%
HK$13,211
+HK$662/mo
Deposit HK$1.56M · loan HK$2.35M · min. income ≈ HK$25,098/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,486
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,874
−HK$395/mo
Today · 4.125%
HK$13,269
baseline
▲ 0.50% · 4.625%
HK$14,076
+HK$807/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$26,538/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$13,890
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,263
−HK$378/mo
Today · 4.125%
HK$14,641
baseline
▲ 0.50% · 4.625%
HK$15,412
+HK$771/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$29,282/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$16,053
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,552
−HK$508/mo
Today · 4.125%
HK$17,060
baseline
▲ 0.50% · 4.625%
HK$18,098
+HK$1,038/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$34,120/mo (50% DSR)
Upfront cash ≈ HK$391K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,859
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,338
−HK$486/mo
Today · 4.125%
HK$18,824
baseline
▲ 0.50% · 4.625%
HK$19,816
+HK$992/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$37,648/mo (50% DSR)
Upfront cash ≈ HK$391K (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).