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$8,884
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,160
−HK$281/mo
Today · 4.125%
HK$9,441
baseline
▲ 0.50% · 4.625%
HK$10,015
+HK$574/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,882/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$9,883
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,148
−HK$269/mo
Today · 4.125%
HK$10,417
baseline
▲ 0.50% · 4.625%
HK$10,966
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,834/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$10,660
−HK$669/mo
▼ 0.25% · 3.875%
HK$10,992
−HK$337/mo
Today · 4.125%
HK$11,329
baseline
▲ 0.50% · 4.625%
HK$12,018
+HK$689/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,658/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$11,859
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,178
−HK$322/mo
Today · 4.125%
HK$12,500
baseline
▲ 0.50% · 4.625%
HK$13,159
+HK$659/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,000/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$12,437
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,824
−HK$393/mo
Today · 4.125%
HK$13,217
baseline
▲ 0.50% · 4.625%
HK$14,021
+HK$804/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,434/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$13,836
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,207
−HK$377/mo
Today · 4.125%
HK$14,584
baseline
▲ 0.50% · 4.625%
HK$15,352
+HK$768/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,168/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$15,990
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,488
−HK$505/mo
Today · 4.125%
HK$16,993
baseline
▲ 0.50% · 4.625%
HK$18,027
+HK$1,034/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$33,986/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$17,789
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,266
−HK$484/mo
Today · 4.125%
HK$18,750
baseline
▲ 0.50% · 4.625%
HK$19,739
+HK$989/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,500/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).