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$8,880
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,156
−HK$281/mo
Today · 4.125%
HK$9,437
baseline
▲ 0.50% · 4.625%
HK$10,011
+HK$574/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,874/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$9,879
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,144
−HK$269/mo
Today · 4.125%
HK$10,413
baseline
▲ 0.50% · 4.625%
HK$10,962
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,826/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$10,656
−HK$669/mo
▼ 0.25% · 3.875%
HK$10,988
−HK$337/mo
Today · 4.125%
HK$11,325
baseline
▲ 0.50% · 4.625%
HK$12,014
+HK$689/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,650/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$11,855
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,173
−HK$322/mo
Today · 4.125%
HK$12,495
baseline
▲ 0.50% · 4.625%
HK$13,154
+HK$659/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$24,990/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$12,432
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,819
−HK$393/mo
Today · 4.125%
HK$13,212
baseline
▲ 0.50% · 4.625%
HK$14,016
+HK$804/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,424/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$13,831
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,202
−HK$376/mo
Today · 4.125%
HK$14,578
baseline
▲ 0.50% · 4.625%
HK$15,347
+HK$769/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,156/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$15,984
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,482
−HK$505/mo
Today · 4.125%
HK$16,987
baseline
▲ 0.50% · 4.625%
HK$18,020
+HK$1,033/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$33,974/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$17,783
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,259
−HK$484/mo
Today · 4.125%
HK$18,743
baseline
▲ 0.50% · 4.625%
HK$19,731
+HK$988/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,486/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).