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$8,872
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,148
−HK$280/mo
Today · 4.125%
HK$9,428
baseline
▲ 0.50% · 4.625%
HK$10,002
+HK$574/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,856/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$9,870
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,134
−HK$269/mo
Today · 4.125%
HK$10,403
baseline
▲ 0.50% · 4.625%
HK$10,951
+HK$548/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,806/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$10,646
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,977
−HK$337/mo
Today · 4.125%
HK$11,314
baseline
▲ 0.50% · 4.625%
HK$12,002
+HK$688/mo
Deposit HK$1.56M · loan HK$2.33M · min. income ≈ HK$22,628/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$11,844
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,161
−HK$322/mo
Today · 4.125%
HK$12,483
baseline
▲ 0.50% · 4.625%
HK$13,141
+HK$658/mo
Deposit HK$1.56M · loan HK$2.33M · min. income ≈ HK$24,966/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$12,420
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,807
−HK$392/mo
Today · 4.125%
HK$13,199
baseline
▲ 0.50% · 4.625%
HK$14,002
+HK$803/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$26,398/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$13,817
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,188
−HK$376/mo
Today · 4.125%
HK$14,564
baseline
▲ 0.50% · 4.625%
HK$15,332
+HK$768/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$29,128/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$15,969
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,466
−HK$504/mo
Today · 4.125%
HK$16,970
baseline
▲ 0.50% · 4.625%
HK$18,003
+HK$1,033/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$33,940/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$17,765
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,242
−HK$483/mo
Today · 4.125%
HK$18,725
baseline
▲ 0.50% · 4.625%
HK$19,712
+HK$987/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,450/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).