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$8,905
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,182
−HK$281/mo
Today · 4.125%
HK$9,463
baseline
▲ 0.50% · 4.625%
HK$10,039
+HK$576/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,926/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$9,906
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,172
−HK$270/mo
Today · 4.125%
HK$10,442
baseline
▲ 0.50% · 4.625%
HK$10,992
+HK$550/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,884/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$10,686
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,018
−HK$338/mo
Today · 4.125%
HK$11,356
baseline
▲ 0.50% · 4.625%
HK$12,047
+HK$691/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,712/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$11,888
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,207
−HK$323/mo
Today · 4.125%
HK$12,530
baseline
▲ 0.50% · 4.625%
HK$13,190
+HK$660/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,060/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$12,467
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,854
−HK$394/mo
Today · 4.125%
HK$13,248
baseline
▲ 0.50% · 4.625%
HK$14,055
+HK$807/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,496/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$13,869
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,241
−HK$377/mo
Today · 4.125%
HK$14,618
baseline
▲ 0.50% · 4.625%
HK$15,389
+HK$771/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,236/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$16,029
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,527
−HK$507/mo
Today · 4.125%
HK$17,034
baseline
▲ 0.50% · 4.625%
HK$18,070
+HK$1,036/mo
Deposit HK$391K · loan HK$3.51M · min. income ≈ HK$34,068/mo (50% DSR)
Upfront cash ≈ HK$391K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,832
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,310
−HK$485/mo
Today · 4.125%
HK$18,795
baseline
▲ 0.50% · 4.625%
HK$19,786
+HK$991/mo
Deposit HK$391K · loan HK$3.51M · min. income ≈ HK$37,590/mo (50% DSR)
Upfront cash ≈ HK$391K (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).