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$8,930
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,208
−HK$282/mo
Today · 4.125%
HK$9,490
baseline
▲ 0.50% · 4.625%
HK$10,067
+HK$577/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$18,980/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$9,934
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,201
−HK$270/mo
Today · 4.125%
HK$10,471
baseline
▲ 0.50% · 4.625%
HK$11,023
+HK$552/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,942/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$10,716
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,049
−HK$339/mo
Today · 4.125%
HK$11,388
baseline
▲ 0.50% · 4.625%
HK$12,081
+HK$693/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,776/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$11,921
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,241
−HK$324/mo
Today · 4.125%
HK$12,565
baseline
▲ 0.50% · 4.625%
HK$13,228
+HK$663/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,130/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$12,502
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,891
−HK$395/mo
Today · 4.125%
HK$13,286
baseline
▲ 0.50% · 4.625%
HK$14,094
+HK$808/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$26,572/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,908
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,281
−HK$379/mo
Today · 4.125%
HK$14,660
baseline
▲ 0.50% · 4.625%
HK$15,432
+HK$772/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$29,320/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,074
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,574
−HK$508/mo
Today · 4.125%
HK$17,082
baseline
▲ 0.50% · 4.625%
HK$18,121
+HK$1,039/mo
Deposit HK$392K · loan HK$3.52M · min. income ≈ HK$34,164/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$17,882
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,362
−HK$486/mo
Today · 4.125%
HK$18,848
baseline
▲ 0.50% · 4.625%
HK$19,842
+HK$994/mo
Deposit HK$392K · loan HK$3.52M · min. income ≈ HK$37,696/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).