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$8,890
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,167
−HK$281/mo
Today · 4.125%
HK$9,448
baseline
▲ 0.50% · 4.625%
HK$10,023
+HK$575/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,896/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$9,890
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,156
−HK$269/mo
Today · 4.125%
HK$10,425
baseline
▲ 0.50% · 4.625%
HK$10,974
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,850/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$10,668
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,000
−HK$337/mo
Today · 4.125%
HK$11,337
baseline
▲ 0.50% · 4.625%
HK$12,027
+HK$690/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,674/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$11,868
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,187
−HK$323/mo
Today · 4.125%
HK$12,510
baseline
▲ 0.50% · 4.625%
HK$13,169
+HK$659/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,020/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$12,446
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,834
−HK$393/mo
Today · 4.125%
HK$13,227
baseline
▲ 0.50% · 4.625%
HK$14,032
+HK$805/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,454/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$13,847
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,218
−HK$377/mo
Today · 4.125%
HK$14,595
baseline
▲ 0.50% · 4.625%
HK$15,364
+HK$769/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,190/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$16,003
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,500
−HK$506/mo
Today · 4.125%
HK$17,006
baseline
▲ 0.50% · 4.625%
HK$18,041
+HK$1,035/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$34,012/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$17,803
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,280
−HK$484/mo
Today · 4.125%
HK$18,764
baseline
▲ 0.50% · 4.625%
HK$19,754
+HK$990/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,528/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).