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$562/mo
▼ 0.25% · 3.875%
HK$9,233
−HK$283/mo
Today · 4.125%
HK$9,516
baseline
▲ 0.50% · 4.625%
HK$10,095
+HK$579/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,032/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$9,962
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,229
−HK$271/mo
Today · 4.125%
HK$10,500
baseline
▲ 0.50% · 4.625%
HK$11,053
+HK$553/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$21,000/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$674/mo
▼ 0.25% · 3.875%
HK$11,079
−HK$340/mo
Today · 4.125%
HK$11,419
baseline
▲ 0.50% · 4.625%
HK$12,114
+HK$695/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,838/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$11,954
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,275
−HK$325/mo
Today · 4.125%
HK$12,600
baseline
▲ 0.50% · 4.625%
HK$13,264
+HK$664/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,200/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$12,536
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,926
−HK$396/mo
Today · 4.125%
HK$13,322
baseline
▲ 0.50% · 4.625%
HK$14,133
+HK$811/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,644/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$13,946
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,320
−HK$380/mo
Today · 4.125%
HK$14,700
baseline
▲ 0.50% · 4.625%
HK$15,475
+HK$775/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,400/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$16,118
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,619
−HK$510/mo
Today · 4.125%
HK$17,129
baseline
▲ 0.50% · 4.625%
HK$18,171
+HK$1,042/mo
Deposit HK$393K · loan HK$3.53M · min. income ≈ HK$34,258/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$17,931
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,412
−HK$488/mo
Today · 4.125%
HK$18,900
baseline
▲ 0.50% · 4.625%
HK$19,896
+HK$996/mo
Deposit HK$393K · loan HK$3.53M · min. income ≈ HK$37,800/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).