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$8,871
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,147
−HK$281/mo
Today · 4.125%
HK$9,428
baseline
▲ 0.50% · 4.625%
HK$10,001
+HK$573/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$9,869
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,134
−HK$268/mo
Today · 4.125%
HK$10,402
baseline
▲ 0.50% · 4.625%
HK$10,951
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,804/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$10,645
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,977
−HK$336/mo
Today · 4.125%
HK$11,313
baseline
▲ 0.50% · 4.625%
HK$12,001
+HK$688/mo
Deposit HK$1.56M · loan HK$2.33M · min. income ≈ HK$22,626/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$11,843
−HK$640/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$12,806
−HK$393/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$746/mo
▼ 0.25% · 3.875%
HK$14,187
−HK$376/mo
Today · 4.125%
HK$14,563
baseline
▲ 0.50% · 4.625%
HK$15,331
+HK$768/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$29,126/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$15,968
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,465
−HK$505/mo
Today · 4.125%
HK$16,970
baseline
▲ 0.50% · 4.625%
HK$18,002
+HK$1,032/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$17,764
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,241
−HK$483/mo
Today · 4.125%
HK$18,724
baseline
▲ 0.50% · 4.625%
HK$19,711
+HK$987/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,448/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).