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$8,883
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,159
−HK$281/mo
Today · 4.125%
HK$9,440
baseline
▲ 0.50% · 4.625%
HK$10,014
+HK$574/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,880/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$9,882
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,147
−HK$269/mo
Today · 4.125%
HK$10,416
baseline
▲ 0.50% · 4.625%
HK$10,965
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,832/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$10,659
−HK$669/mo
▼ 0.25% · 3.875%
HK$10,991
−HK$337/mo
Today · 4.125%
HK$11,328
baseline
▲ 0.50% · 4.625%
HK$12,017
+HK$689/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,656/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$11,858
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,176
−HK$323/mo
Today · 4.125%
HK$12,499
baseline
▲ 0.50% · 4.625%
HK$13,158
+HK$659/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$24,998/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$12,436
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,822
−HK$393/mo
Today · 4.125%
HK$13,215
baseline
▲ 0.50% · 4.625%
HK$14,020
+HK$805/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,430/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$13,834
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,206
−HK$376/mo
Today · 4.125%
HK$14,582
baseline
▲ 0.50% · 4.625%
HK$15,351
+HK$769/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,164/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$15,989
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,486
−HK$505/mo
Today · 4.125%
HK$16,991
baseline
▲ 0.50% · 4.625%
HK$18,025
+HK$1,034/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$33,982/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$17,787
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,264
−HK$484/mo
Today · 4.125%
HK$18,748
baseline
▲ 0.50% · 4.625%
HK$19,736
+HK$988/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,496/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).