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$558/mo
▼ 0.25% · 3.875%
HK$9,169
−HK$281/mo
Today · 4.125%
HK$9,450
baseline
▲ 0.50% · 4.625%
HK$10,025
+HK$575/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,900/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$9,893
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,158
−HK$269/mo
Today · 4.125%
HK$10,427
baseline
▲ 0.50% · 4.625%
HK$10,977
+HK$550/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,854/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$10,671
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,003
−HK$337/mo
Today · 4.125%
HK$11,340
baseline
▲ 0.50% · 4.625%
HK$12,030
+HK$690/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,680/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$11,871
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,190
−HK$323/mo
Today · 4.125%
HK$12,513
baseline
▲ 0.50% · 4.625%
HK$13,172
+HK$659/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,026/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$781/mo
▼ 0.25% · 3.875%
HK$12,837
−HK$393/mo
Today · 4.125%
HK$13,230
baseline
▲ 0.50% · 4.625%
HK$14,035
+HK$805/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,460/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$13,850
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,221
−HK$377/mo
Today · 4.125%
HK$14,598
baseline
▲ 0.50% · 4.625%
HK$15,368
+HK$770/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,196/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$16,006
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,504
−HK$506/mo
Today · 4.125%
HK$17,010
baseline
▲ 0.50% · 4.625%
HK$18,045
+HK$1,035/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$34,020/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$17,807
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,285
−HK$484/mo
Today · 4.125%
HK$18,769
baseline
▲ 0.50% · 4.625%
HK$19,758
+HK$989/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,538/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).