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$8,885
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,162
−HK$280/mo
Today · 4.125%
HK$9,442
baseline
▲ 0.50% · 4.625%
HK$10,017
+HK$575/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,884/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$9,885
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,150
−HK$269/mo
Today · 4.125%
HK$10,419
baseline
▲ 0.50% · 4.625%
HK$10,968
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,838/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$10,662
−HK$669/mo
▼ 0.25% · 3.875%
HK$10,994
−HK$337/mo
Today · 4.125%
HK$11,331
baseline
▲ 0.50% · 4.625%
HK$12,020
+HK$689/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,662/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$11,862
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,180
−HK$323/mo
Today · 4.125%
HK$12,503
baseline
▲ 0.50% · 4.625%
HK$13,162
+HK$659/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,006/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$12,439
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,826
−HK$393/mo
Today · 4.125%
HK$13,219
baseline
▲ 0.50% · 4.625%
HK$14,024
+HK$805/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,438/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$13,839
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,210
−HK$376/mo
Today · 4.125%
HK$14,586
baseline
▲ 0.50% · 4.625%
HK$15,355
+HK$769/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,172/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$15,993
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,491
−HK$505/mo
Today · 4.125%
HK$16,996
baseline
▲ 0.50% · 4.625%
HK$18,031
+HK$1,035/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$33,992/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$17,793
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,270
−HK$484/mo
Today · 4.125%
HK$18,754
baseline
▲ 0.50% · 4.625%
HK$19,742
+HK$988/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,508/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).