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$8,892
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,168
−HK$281/mo
Today · 4.125%
HK$9,449
baseline
▲ 0.50% · 4.625%
HK$10,024
+HK$575/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,898/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$9,892
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,157
−HK$269/mo
Today · 4.125%
HK$10,426
baseline
▲ 0.50% · 4.625%
HK$10,976
+HK$550/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,852/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$10,670
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,002
−HK$337/mo
Today · 4.125%
HK$11,339
baseline
▲ 0.50% · 4.625%
HK$12,029
+HK$690/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,678/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$11,870
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,189
−HK$323/mo
Today · 4.125%
HK$12,512
baseline
▲ 0.50% · 4.625%
HK$13,171
+HK$659/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,024/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$12,449
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,836
−HK$393/mo
Today · 4.125%
HK$13,229
baseline
▲ 0.50% · 4.625%
HK$14,034
+HK$805/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,458/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$13,849
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,220
−HK$377/mo
Today · 4.125%
HK$14,597
baseline
▲ 0.50% · 4.625%
HK$15,366
+HK$769/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,194/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$16,005
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,503
−HK$506/mo
Today · 4.125%
HK$17,009
baseline
▲ 0.50% · 4.625%
HK$18,044
+HK$1,035/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$34,018/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$17,806
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,283
−HK$485/mo
Today · 4.125%
HK$18,768
baseline
▲ 0.50% · 4.625%
HK$19,757
+HK$989/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,536/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).