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$8,972
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,252
−HK$283/mo
Today · 4.125%
HK$9,535
baseline
▲ 0.50% · 4.625%
HK$10,115
+HK$580/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,070/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,982
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,249
−HK$272/mo
Today · 4.125%
HK$10,521
baseline
▲ 0.50% · 4.625%
HK$11,076
+HK$555/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,042/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,767
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,102
−HK$340/mo
Today · 4.125%
HK$11,442
baseline
▲ 0.50% · 4.625%
HK$12,138
+HK$696/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,884/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$11,978
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,299
−HK$326/mo
Today · 4.125%
HK$12,625
baseline
▲ 0.50% · 4.625%
HK$13,291
+HK$666/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,250/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$12,561
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,952
−HK$397/mo
Today · 4.125%
HK$13,349
baseline
▲ 0.50% · 4.625%
HK$14,161
+HK$812/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,698/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$13,974
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,349
−HK$380/mo
Today · 4.125%
HK$14,729
baseline
▲ 0.50% · 4.625%
HK$15,506
+HK$777/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,458/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$16,150
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,653
−HK$510/mo
Today · 4.125%
HK$17,163
baseline
▲ 0.50% · 4.625%
HK$18,208
+HK$1,045/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$34,326/mo (50% DSR)
Upfront cash ≈ HK$394K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,967
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,449
−HK$489/mo
Today · 4.125%
HK$18,938
baseline
▲ 0.50% · 4.625%
HK$19,936
+HK$998/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$37,876/mo (50% DSR)
Upfront cash ≈ HK$394K (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).