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$8,896
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,172
−HK$282/mo
Today · 4.125%
HK$9,454
baseline
▲ 0.50% · 4.625%
HK$10,029
+HK$575/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,908/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$9,896
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,162
−HK$269/mo
Today · 4.125%
HK$10,431
baseline
▲ 0.50% · 4.625%
HK$10,981
+HK$550/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,862/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$10,675
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,007
−HK$337/mo
Today · 4.125%
HK$11,344
baseline
▲ 0.50% · 4.625%
HK$12,035
+HK$691/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,688/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$11,876
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,194
−HK$323/mo
Today · 4.125%
HK$12,517
baseline
▲ 0.50% · 4.625%
HK$13,177
+HK$660/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,034/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$12,454
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,841
−HK$394/mo
Today · 4.125%
HK$13,235
baseline
▲ 0.50% · 4.625%
HK$14,040
+HK$805/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,470/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$13,855
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,227
−HK$377/mo
Today · 4.125%
HK$14,604
baseline
▲ 0.50% · 4.625%
HK$15,373
+HK$769/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,208/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$16,012
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,510
−HK$506/mo
Today · 4.125%
HK$17,016
baseline
▲ 0.50% · 4.625%
HK$18,052
+HK$1,036/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$34,032/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$17,814
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,291
−HK$485/mo
Today · 4.125%
HK$18,776
baseline
▲ 0.50% · 4.625%
HK$19,766
+HK$990/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,552/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).