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$8,882
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,159
−HK$280/mo
Today · 4.125%
HK$9,439
baseline
▲ 0.50% · 4.625%
HK$10,014
+HK$575/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,878/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$9,881
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,146
−HK$269/mo
Today · 4.125%
HK$10,415
baseline
▲ 0.50% · 4.625%
HK$10,964
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,830/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$10,659
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,990
−HK$337/mo
Today · 4.125%
HK$11,327
baseline
▲ 0.50% · 4.625%
HK$12,016
+HK$689/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,654/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$11,858
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,176
−HK$322/mo
Today · 4.125%
HK$12,498
baseline
▲ 0.50% · 4.625%
HK$13,157
+HK$659/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$24,996/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$12,435
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,822
−HK$393/mo
Today · 4.125%
HK$13,215
baseline
▲ 0.50% · 4.625%
HK$14,019
+HK$804/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,430/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$13,834
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,205
−HK$376/mo
Today · 4.125%
HK$14,581
baseline
▲ 0.50% · 4.625%
HK$15,350
+HK$769/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,162/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$15,988
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,485
−HK$506/mo
Today · 4.125%
HK$16,991
baseline
▲ 0.50% · 4.625%
HK$18,025
+HK$1,034/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$33,982/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$17,787
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,264
−HK$484/mo
Today · 4.125%
HK$18,748
baseline
▲ 0.50% · 4.625%
HK$19,736
+HK$988/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,496/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).