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$8,878
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,154
−HK$280/mo
Today · 4.125%
HK$9,434
baseline
▲ 0.50% · 4.625%
HK$10,008
+HK$574/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,868/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$9,876
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,141
−HK$269/mo
Today · 4.125%
HK$10,410
baseline
▲ 0.50% · 4.625%
HK$10,958
+HK$548/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,820/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$10,653
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,984
−HK$337/mo
Today · 4.125%
HK$11,321
baseline
▲ 0.50% · 4.625%
HK$12,010
+HK$689/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,642/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$11,851
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,169
−HK$323/mo
Today · 4.125%
HK$12,492
baseline
▲ 0.50% · 4.625%
HK$13,150
+HK$658/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$24,984/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$12,429
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,815
−HK$393/mo
Today · 4.125%
HK$13,208
baseline
▲ 0.50% · 4.625%
HK$14,012
+HK$804/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,416/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$13,827
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,197
−HK$377/mo
Today · 4.125%
HK$14,574
baseline
▲ 0.50% · 4.625%
HK$15,342
+HK$768/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,148/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$15,980
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,477
−HK$505/mo
Today · 4.125%
HK$16,982
baseline
▲ 0.50% · 4.625%
HK$18,015
+HK$1,033/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$33,964/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$17,777
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,254
−HK$484/mo
Today · 4.125%
HK$18,738
baseline
▲ 0.50% · 4.625%
HK$19,725
+HK$987/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,476/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).