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$8,947
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,226
−HK$282/mo
Today · 4.125%
HK$9,508
baseline
▲ 0.50% · 4.625%
HK$10,087
+HK$579/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,016/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$9,954
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,221
−HK$271/mo
Today · 4.125%
HK$10,492
baseline
▲ 0.50% · 4.625%
HK$11,045
+HK$553/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,984/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$10,737
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,071
−HK$339/mo
Today · 4.125%
HK$11,410
baseline
▲ 0.50% · 4.625%
HK$12,104
+HK$694/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,820/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$11,944
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,265
−HK$325/mo
Today · 4.125%
HK$12,590
baseline
▲ 0.50% · 4.625%
HK$13,253
+HK$663/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,180/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$12,526
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,916
−HK$396/mo
Today · 4.125%
HK$13,312
baseline
▲ 0.50% · 4.625%
HK$14,122
+HK$810/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,624/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$13,935
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,309
−HK$379/mo
Today · 4.125%
HK$14,688
baseline
▲ 0.50% · 4.625%
HK$15,462
+HK$774/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,376/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$16,105
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,606
−HK$509/mo
Today · 4.125%
HK$17,115
baseline
▲ 0.50% · 4.625%
HK$18,156
+HK$1,041/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$34,230/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$17,917
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,397
−HK$488/mo
Today · 4.125%
HK$18,885
baseline
▲ 0.50% · 4.625%
HK$19,880
+HK$995/mo
Deposit HK$392K · loan HK$3.53M · min. income ≈ HK$37,770/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).