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$8,867
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,143
−HK$280/mo
Today · 4.125%
HK$9,423
baseline
▲ 0.50% · 4.625%
HK$9,997
+HK$574/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,846/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,865
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,129
−HK$269/mo
Today · 4.125%
HK$10,398
baseline
▲ 0.50% · 4.625%
HK$10,946
+HK$548/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,796/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,641
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,972
−HK$336/mo
Today · 4.125%
HK$11,308
baseline
▲ 0.50% · 4.625%
HK$11,996
+HK$688/mo
Deposit HK$1.56M · loan HK$2.33M · min. income ≈ HK$22,616/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$11,838
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,155
−HK$322/mo
Today · 4.125%
HK$12,477
baseline
▲ 0.50% · 4.625%
HK$13,135
+HK$658/mo
Deposit HK$1.56M · loan HK$2.33M · min. income ≈ HK$24,954/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$12,414
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,801
−HK$392/mo
Today · 4.125%
HK$13,193
baseline
▲ 0.50% · 4.625%
HK$13,996
+HK$803/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$26,386/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$13,811
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,181
−HK$376/mo
Today · 4.125%
HK$14,557
baseline
▲ 0.50% · 4.625%
HK$15,324
+HK$767/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$29,114/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$15,961
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,458
−HK$504/mo
Today · 4.125%
HK$16,962
baseline
▲ 0.50% · 4.625%
HK$17,994
+HK$1,032/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$33,924/mo (50% DSR)
Upfront cash ≈ HK$389K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,757
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,233
−HK$483/mo
Today · 4.125%
HK$18,716
baseline
▲ 0.50% · 4.625%
HK$19,703
+HK$987/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,432/mo (50% DSR)
Upfront cash ≈ HK$389K (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).