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$8,901
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,178
−HK$282/mo
Today · 4.125%
HK$9,460
baseline
▲ 0.50% · 4.625%
HK$10,035
+HK$575/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,920/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$9,903
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,168
−HK$270/mo
Today · 4.125%
HK$10,438
baseline
▲ 0.50% · 4.625%
HK$10,988
+HK$550/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,876/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$10,682
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,014
−HK$337/mo
Today · 4.125%
HK$11,351
baseline
▲ 0.50% · 4.625%
HK$12,042
+HK$691/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,702/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$11,883
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,202
−HK$323/mo
Today · 4.125%
HK$12,525
baseline
▲ 0.50% · 4.625%
HK$13,185
+HK$660/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,050/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$12,462
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,850
−HK$393/mo
Today · 4.125%
HK$13,243
baseline
▲ 0.50% · 4.625%
HK$14,049
+HK$806/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,486/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$13,864
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,236
−HK$377/mo
Today · 4.125%
HK$14,613
baseline
▲ 0.50% · 4.625%
HK$15,383
+HK$770/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,226/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$16,022
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,521
−HK$506/mo
Today · 4.125%
HK$17,027
baseline
▲ 0.50% · 4.625%
HK$18,063
+HK$1,036/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$34,054/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$17,825
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,303
−HK$485/mo
Today · 4.125%
HK$18,788
baseline
▲ 0.50% · 4.625%
HK$19,778
+HK$990/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,576/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).