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$8,975
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,254
−HK$284/mo
Today · 4.125%
HK$9,538
baseline
▲ 0.50% · 4.625%
HK$10,119
+HK$581/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,076/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,985
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,253
−HK$271/mo
Today · 4.125%
HK$10,524
baseline
▲ 0.50% · 4.625%
HK$11,079
+HK$555/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,048/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,770
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,105
−HK$341/mo
Today · 4.125%
HK$11,446
baseline
▲ 0.50% · 4.625%
HK$12,142
+HK$696/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,892/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$11,982
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,303
−HK$326/mo
Today · 4.125%
HK$12,629
baseline
▲ 0.50% · 4.625%
HK$13,295
+HK$666/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,258/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$12,565
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,956
−HK$397/mo
Today · 4.125%
HK$13,353
baseline
▲ 0.50% · 4.625%
HK$14,166
+HK$813/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,706/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$13,979
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,354
−HK$380/mo
Today · 4.125%
HK$14,734
baseline
▲ 0.50% · 4.625%
HK$15,511
+HK$777/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,468/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$16,156
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,658
−HK$511/mo
Today · 4.125%
HK$17,169
baseline
▲ 0.50% · 4.625%
HK$18,213
+HK$1,044/mo
Deposit HK$394K · loan HK$3.54M · min. income ≈ HK$34,338/mo (50% DSR)
Upfront cash ≈ HK$394K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,973
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,455
−HK$489/mo
Today · 4.125%
HK$18,944
baseline
▲ 0.50% · 4.625%
HK$19,942
+HK$998/mo
Deposit HK$394K · loan HK$3.54M · min. income ≈ HK$37,888/mo (50% DSR)
Upfront cash ≈ HK$394K (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).