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$8,870
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,146
−HK$281/mo
Today · 4.125%
HK$9,427
baseline
▲ 0.50% · 4.625%
HK$10,000
+HK$573/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,854/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$9,868
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,133
−HK$268/mo
Today · 4.125%
HK$10,401
baseline
▲ 0.50% · 4.625%
HK$10,950
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,802/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$10,644
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,976
−HK$336/mo
Today · 4.125%
HK$11,312
baseline
▲ 0.50% · 4.625%
HK$12,000
+HK$688/mo
Deposit HK$1.56M · loan HK$2.33M · min. income ≈ HK$22,624/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$11,842
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,159
−HK$323/mo
Today · 4.125%
HK$12,482
baseline
▲ 0.50% · 4.625%
HK$13,140
+HK$658/mo
Deposit HK$1.56M · loan HK$2.33M · min. income ≈ HK$24,964/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$12,419
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,805
−HK$392/mo
Today · 4.125%
HK$13,197
baseline
▲ 0.50% · 4.625%
HK$14,000
+HK$803/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$26,394/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$13,815
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,186
−HK$376/mo
Today · 4.125%
HK$14,562
baseline
▲ 0.50% · 4.625%
HK$15,329
+HK$767/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$29,124/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$15,967
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,463
−HK$505/mo
Today · 4.125%
HK$16,968
baseline
▲ 0.50% · 4.625%
HK$18,000
+HK$1,032/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$33,936/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$17,763
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,239
−HK$483/mo
Today · 4.125%
HK$18,722
baseline
▲ 0.50% · 4.625%
HK$19,709
+HK$987/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,444/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).