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$8,903
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,180
−HK$281/mo
Today · 4.125%
HK$9,461
baseline
▲ 0.50% · 4.625%
HK$10,037
+HK$576/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,922/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$9,905
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,170
−HK$270/mo
Today · 4.125%
HK$10,440
baseline
▲ 0.50% · 4.625%
HK$10,990
+HK$550/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,880/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$10,684
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,016
−HK$338/mo
Today · 4.125%
HK$11,354
baseline
▲ 0.50% · 4.625%
HK$12,044
+HK$690/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,708/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$11,885
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,204
−HK$324/mo
Today · 4.125%
HK$12,528
baseline
▲ 0.50% · 4.625%
HK$13,188
+HK$660/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,056/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$12,464
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,852
−HK$394/mo
Today · 4.125%
HK$13,246
baseline
▲ 0.50% · 4.625%
HK$14,052
+HK$806/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,492/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$13,866
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,238
−HK$377/mo
Today · 4.125%
HK$14,615
baseline
▲ 0.50% · 4.625%
HK$15,386
+HK$771/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,230/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$16,025
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,524
−HK$506/mo
Today · 4.125%
HK$17,030
baseline
▲ 0.50% · 4.625%
HK$18,067
+HK$1,037/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$34,060/mo (50% DSR)
Upfront cash ≈ HK$391K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,828
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,306
−HK$485/mo
Today · 4.125%
HK$18,791
baseline
▲ 0.50% · 4.625%
HK$19,782
+HK$991/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,582/mo (50% DSR)
Upfront cash ≈ HK$391K (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).