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$8,960
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,239
−HK$283/mo
Today · 4.125%
HK$9,522
baseline
▲ 0.50% · 4.625%
HK$10,102
+HK$580/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,044/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$9,968
−HK$539/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$10,752
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,087
−HK$340/mo
Today · 4.125%
HK$11,427
baseline
▲ 0.50% · 4.625%
HK$12,122
+HK$695/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$11,962
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,283
−HK$325/mo
Today · 4.125%
HK$12,608
baseline
▲ 0.50% · 4.625%
HK$13,273
+HK$665/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,216/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$12,544
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,935
−HK$396/mo
Today · 4.125%
HK$13,331
baseline
▲ 0.50% · 4.625%
HK$14,142
+HK$811/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,662/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$13,955
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,330
−HK$379/mo
Today · 4.125%
HK$14,709
baseline
▲ 0.50% · 4.625%
HK$15,485
+HK$776/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,418/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$16,128
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,630
−HK$510/mo
Today · 4.125%
HK$17,140
baseline
▲ 0.50% · 4.625%
HK$18,183
+HK$1,043/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$34,280/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$17,943
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,424
−HK$488/mo
Today · 4.125%
HK$18,912
baseline
▲ 0.50% · 4.625%
HK$19,909
+HK$997/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$37,824/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).