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$8,874
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,150
−HK$280/mo
Today · 4.125%
HK$9,430
baseline
▲ 0.50% · 4.625%
HK$10,004
+HK$574/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,860/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$9,872
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,137
−HK$268/mo
Today · 4.125%
HK$10,405
baseline
▲ 0.50% · 4.625%
HK$10,954
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,810/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$10,649
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,980
−HK$336/mo
Today · 4.125%
HK$11,316
baseline
▲ 0.50% · 4.625%
HK$12,005
+HK$689/mo
Deposit HK$1.56M · loan HK$2.33M · min. income ≈ HK$22,632/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$11,847
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,164
−HK$323/mo
Today · 4.125%
HK$12,487
baseline
▲ 0.50% · 4.625%
HK$13,145
+HK$658/mo
Deposit HK$1.56M · loan HK$2.33M · min. income ≈ HK$24,974/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$12,423
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,810
−HK$393/mo
Today · 4.125%
HK$13,203
baseline
▲ 0.50% · 4.625%
HK$14,006
+HK$803/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$26,406/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$13,821
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,192
−HK$376/mo
Today · 4.125%
HK$14,568
baseline
▲ 0.50% · 4.625%
HK$15,336
+HK$768/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$29,136/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$15,973
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,470
−HK$505/mo
Today · 4.125%
HK$16,975
baseline
▲ 0.50% · 4.625%
HK$18,008
+HK$1,033/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$33,950/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$17,770
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,246
−HK$484/mo
Today · 4.125%
HK$18,730
baseline
▲ 0.50% · 4.625%
HK$19,717
+HK$987/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,460/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).