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$8,877
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,153
−HK$280/mo
Today · 4.125%
HK$9,433
baseline
▲ 0.50% · 4.625%
HK$10,007
+HK$574/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,866/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,875
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,140
−HK$269/mo
Today · 4.125%
HK$10,409
baseline
▲ 0.50% · 4.625%
HK$10,957
+HK$548/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,818/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,652
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,983
−HK$337/mo
Today · 4.125%
HK$11,320
baseline
▲ 0.50% · 4.625%
HK$12,009
+HK$689/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,640/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,850
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,168
−HK$322/mo
Today · 4.125%
HK$12,490
baseline
▲ 0.50% · 4.625%
HK$13,149
+HK$659/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$24,980/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,427
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,814
−HK$392/mo
Today · 4.125%
HK$13,206
baseline
▲ 0.50% · 4.625%
HK$14,010
+HK$804/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$26,412/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$13,825
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,196
−HK$376/mo
Today · 4.125%
HK$14,572
baseline
▲ 0.50% · 4.625%
HK$15,340
+HK$768/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$29,144/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$15,978
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,475
−HK$505/mo
Today · 4.125%
HK$16,980
baseline
▲ 0.50% · 4.625%
HK$18,013
+HK$1,033/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$33,960/mo (50% DSR)
Upfront cash ≈ HK$389K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,775
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,252
−HK$483/mo
Today · 4.125%
HK$18,735
baseline
▲ 0.50% · 4.625%
HK$19,723
+HK$988/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,470/mo (50% DSR)
Upfront cash ≈ HK$389K (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).