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$8,888
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,164
−HK$281/mo
Today · 4.125%
HK$9,445
baseline
▲ 0.50% · 4.625%
HK$10,020
+HK$575/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,890/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$9,888
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,153
−HK$269/mo
Today · 4.125%
HK$10,422
baseline
▲ 0.50% · 4.625%
HK$10,971
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,844/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$10,666
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,997
−HK$337/mo
Today · 4.125%
HK$11,334
baseline
▲ 0.50% · 4.625%
HK$12,024
+HK$690/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,668/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$11,865
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,184
−HK$322/mo
Today · 4.125%
HK$12,506
baseline
▲ 0.50% · 4.625%
HK$13,166
+HK$660/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,012/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$12,443
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,830
−HK$394/mo
Today · 4.125%
HK$13,224
baseline
▲ 0.50% · 4.625%
HK$14,028
+HK$804/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,448/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$13,843
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,214
−HK$377/mo
Today · 4.125%
HK$14,591
baseline
▲ 0.50% · 4.625%
HK$15,360
+HK$769/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,182/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$15,998
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,496
−HK$506/mo
Today · 4.125%
HK$17,002
baseline
▲ 0.50% · 4.625%
HK$18,036
+HK$1,034/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$34,004/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$17,798
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,275
−HK$485/mo
Today · 4.125%
HK$18,760
baseline
▲ 0.50% · 4.625%
HK$19,748
+HK$988/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,520/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).