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$8,884
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,161
−HK$281/mo
Today · 4.125%
HK$9,442
baseline
▲ 0.50% · 4.625%
HK$10,016
+HK$574/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,884/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$9,884
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,149
−HK$269/mo
Today · 4.125%
HK$10,418
baseline
▲ 0.50% · 4.625%
HK$10,967
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,836/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$10,661
−HK$669/mo
▼ 0.25% · 3.875%
HK$10,993
−HK$337/mo
Today · 4.125%
HK$11,330
baseline
▲ 0.50% · 4.625%
HK$12,019
+HK$689/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,660/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$11,861
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,179
−HK$322/mo
Today · 4.125%
HK$12,501
baseline
▲ 0.50% · 4.625%
HK$13,160
+HK$659/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,002/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$12,438
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,825
−HK$393/mo
Today · 4.125%
HK$13,218
baseline
▲ 0.50% · 4.625%
HK$14,023
+HK$805/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,436/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$13,837
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,209
−HK$376/mo
Today · 4.125%
HK$14,585
baseline
▲ 0.50% · 4.625%
HK$15,354
+HK$769/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,170/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$15,992
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,490
−HK$505/mo
Today · 4.125%
HK$16,995
baseline
▲ 0.50% · 4.625%
HK$18,029
+HK$1,034/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$33,990/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$17,791
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,268
−HK$484/mo
Today · 4.125%
HK$18,752
baseline
▲ 0.50% · 4.625%
HK$19,741
+HK$989/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,504/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).