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$8,881
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,157
−HK$280/mo
Today · 4.125%
HK$9,437
baseline
▲ 0.50% · 4.625%
HK$10,012
+HK$575/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,874/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$9,880
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,145
−HK$268/mo
Today · 4.125%
HK$10,413
baseline
▲ 0.50% · 4.625%
HK$10,962
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,826/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$10,657
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,988
−HK$337/mo
Today · 4.125%
HK$11,325
baseline
▲ 0.50% · 4.625%
HK$12,014
+HK$689/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,650/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$11,856
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,173
−HK$323/mo
Today · 4.125%
HK$12,496
baseline
▲ 0.50% · 4.625%
HK$13,155
+HK$659/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$24,992/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$12,433
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,820
−HK$392/mo
Today · 4.125%
HK$13,212
baseline
▲ 0.50% · 4.625%
HK$14,016
+HK$804/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,424/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$13,831
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,202
−HK$377/mo
Today · 4.125%
HK$14,579
baseline
▲ 0.50% · 4.625%
HK$15,347
+HK$768/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,158/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$15,985
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,482
−HK$505/mo
Today · 4.125%
HK$16,987
baseline
▲ 0.50% · 4.625%
HK$18,021
+HK$1,034/mo
Deposit HK$389K · loan HK$3.51M · min. income ≈ HK$33,974/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$17,783
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,260
−HK$484/mo
Today · 4.125%
HK$18,744
baseline
▲ 0.50% · 4.625%
HK$19,732
+HK$988/mo
Deposit HK$389K · loan HK$3.51M · min. income ≈ HK$37,488/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).