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$8,894
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,170
−HK$281/mo
Today · 4.125%
HK$9,451
baseline
▲ 0.50% · 4.625%
HK$10,026
+HK$575/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,902/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$9,894
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,159
−HK$270/mo
Today · 4.125%
HK$10,429
baseline
▲ 0.50% · 4.625%
HK$10,978
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,858/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$10,672
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,004
−HK$338/mo
Today · 4.125%
HK$11,342
baseline
▲ 0.50% · 4.625%
HK$12,032
+HK$690/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,684/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$11,873
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,191
−HK$323/mo
Today · 4.125%
HK$12,514
baseline
▲ 0.50% · 4.625%
HK$13,174
+HK$660/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,028/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$12,451
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,838
−HK$394/mo
Today · 4.125%
HK$13,232
baseline
▲ 0.50% · 4.625%
HK$14,037
+HK$805/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,464/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$13,852
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,223
−HK$377/mo
Today · 4.125%
HK$14,600
baseline
▲ 0.50% · 4.625%
HK$15,370
+HK$770/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,200/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$16,009
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,507
−HK$505/mo
Today · 4.125%
HK$17,012
baseline
▲ 0.50% · 4.625%
HK$18,048
+HK$1,036/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$34,024/mo (50% DSR)
Upfront cash ≈ HK$390K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,809
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,287
−HK$485/mo
Today · 4.125%
HK$18,772
baseline
▲ 0.50% · 4.625%
HK$19,761
+HK$989/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,544/mo (50% DSR)
Upfront cash ≈ HK$390K (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).