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$8,887
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,164
−HK$280/mo
Today · 4.125%
HK$9,444
baseline
▲ 0.50% · 4.625%
HK$10,019
+HK$575/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,888/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$9,887
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,152
−HK$269/mo
Today · 4.125%
HK$10,421
baseline
▲ 0.50% · 4.625%
HK$10,970
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,842/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$10,665
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,996
−HK$337/mo
Today · 4.125%
HK$11,333
baseline
▲ 0.50% · 4.625%
HK$12,023
+HK$690/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,666/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$11,864
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,182
−HK$323/mo
Today · 4.125%
HK$12,505
baseline
▲ 0.50% · 4.625%
HK$13,164
+HK$659/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,010/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$12,442
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,829
−HK$393/mo
Today · 4.125%
HK$13,222
baseline
▲ 0.50% · 4.625%
HK$14,027
+HK$805/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,444/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$13,842
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,213
−HK$376/mo
Today · 4.125%
HK$14,589
baseline
▲ 0.50% · 4.625%
HK$15,358
+HK$769/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,178/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$15,997
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,494
−HK$506/mo
Today · 4.125%
HK$17,000
baseline
▲ 0.50% · 4.625%
HK$18,034
+HK$1,034/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$34,000/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$17,796
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,274
−HK$484/mo
Today · 4.125%
HK$18,758
baseline
▲ 0.50% · 4.625%
HK$19,747
+HK$989/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,516/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).