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$8,961
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,240
−HK$283/mo
Today · 4.125%
HK$9,523
baseline
▲ 0.50% · 4.625%
HK$10,102
+HK$579/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,046/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$9,969
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,236
−HK$271/mo
Today · 4.125%
HK$10,507
baseline
▲ 0.50% · 4.625%
HK$11,061
+HK$554/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$21,014/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$10,753
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,087
−HK$340/mo
Today · 4.125%
HK$11,427
baseline
▲ 0.50% · 4.625%
HK$12,123
+HK$696/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,854/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$11,963
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,283
−HK$326/mo
Today · 4.125%
HK$12,609
baseline
▲ 0.50% · 4.625%
HK$13,274
+HK$665/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,218/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$12,545
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,935
−HK$397/mo
Today · 4.125%
HK$13,332
baseline
▲ 0.50% · 4.625%
HK$14,143
+HK$811/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,664/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$13,956
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,331
−HK$379/mo
Today · 4.125%
HK$14,710
baseline
▲ 0.50% · 4.625%
HK$15,486
+HK$776/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,420/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$16,129
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,631
−HK$510/mo
Today · 4.125%
HK$17,141
baseline
▲ 0.50% · 4.625%
HK$18,184
+HK$1,043/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$34,282/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$17,944
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,425
−HK$488/mo
Today · 4.125%
HK$18,913
baseline
▲ 0.50% · 4.625%
HK$19,910
+HK$997/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$37,826/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).