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$8,939
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,217
−HK$283/mo
Today · 4.125%
HK$9,500
baseline
▲ 0.50% · 4.625%
HK$10,078
+HK$578/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,000/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$9,945
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,212
−HK$270/mo
Today · 4.125%
HK$10,482
baseline
▲ 0.50% · 4.625%
HK$11,035
+HK$553/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,964/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$10,727
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,061
−HK$339/mo
Today · 4.125%
HK$11,400
baseline
▲ 0.50% · 4.625%
HK$12,093
+HK$693/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,800/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$11,934
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,254
−HK$325/mo
Today · 4.125%
HK$12,579
baseline
▲ 0.50% · 4.625%
HK$13,242
+HK$663/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,158/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$12,515
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,904
−HK$396/mo
Today · 4.125%
HK$13,300
baseline
▲ 0.50% · 4.625%
HK$14,109
+HK$809/mo
Deposit HK$1.18M · loan HK$2.74M · min. income ≈ HK$26,600/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$13,923
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,296
−HK$379/mo
Today · 4.125%
HK$14,675
baseline
▲ 0.50% · 4.625%
HK$15,449
+HK$774/mo
Deposit HK$1.18M · loan HK$2.74M · min. income ≈ HK$29,350/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$16,091
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,591
−HK$509/mo
Today · 4.125%
HK$17,100
baseline
▲ 0.50% · 4.625%
HK$18,140
+HK$1,040/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$34,200/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$17,901
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,381
−HK$487/mo
Today · 4.125%
HK$18,868
baseline
▲ 0.50% · 4.625%
HK$19,862
+HK$994/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$37,736/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).