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$8,931
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,209
−HK$282/mo
Today · 4.125%
HK$9,491
baseline
▲ 0.50% · 4.625%
HK$10,069
+HK$578/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$18,982/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$9,936
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,202
−HK$271/mo
Today · 4.125%
HK$10,473
baseline
▲ 0.50% · 4.625%
HK$11,025
+HK$552/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,946/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$10,717
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,051
−HK$338/mo
Today · 4.125%
HK$11,389
baseline
▲ 0.50% · 4.625%
HK$12,083
+HK$694/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,778/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$11,923
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,243
−HK$324/mo
Today · 4.125%
HK$12,567
baseline
▲ 0.50% · 4.625%
HK$13,230
+HK$663/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,134/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$12,504
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,893
−HK$395/mo
Today · 4.125%
HK$13,288
baseline
▲ 0.50% · 4.625%
HK$14,096
+HK$808/mo
Deposit HK$1.18M · loan HK$2.74M · min. income ≈ HK$26,576/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$13,910
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,283
−HK$379/mo
Today · 4.125%
HK$14,662
baseline
▲ 0.50% · 4.625%
HK$15,435
+HK$773/mo
Deposit HK$1.18M · loan HK$2.74M · min. income ≈ HK$29,324/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$16,076
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,576
−HK$508/mo
Today · 4.125%
HK$17,084
baseline
▲ 0.50% · 4.625%
HK$18,124
+HK$1,040/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$34,168/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$17,885
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,364
−HK$487/mo
Today · 4.125%
HK$18,851
baseline
▲ 0.50% · 4.625%
HK$19,844
+HK$993/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$37,702/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).