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$8,886
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,163
−HK$280/mo
Today · 4.125%
HK$9,443
baseline
▲ 0.50% · 4.625%
HK$10,018
+HK$575/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,886/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$9,886
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,151
−HK$269/mo
Today · 4.125%
HK$10,420
baseline
▲ 0.50% · 4.625%
HK$10,969
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,840/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$10,663
−HK$669/mo
▼ 0.25% · 3.875%
HK$10,995
−HK$337/mo
Today · 4.125%
HK$11,332
baseline
▲ 0.50% · 4.625%
HK$12,022
+HK$690/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,664/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$11,863
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,181
−HK$323/mo
Today · 4.125%
HK$12,504
baseline
▲ 0.50% · 4.625%
HK$13,163
+HK$659/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,008/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$12,441
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,828
−HK$393/mo
Today · 4.125%
HK$13,221
baseline
▲ 0.50% · 4.625%
HK$14,025
+HK$804/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,442/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$13,840
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,211
−HK$377/mo
Today · 4.125%
HK$14,588
baseline
▲ 0.50% · 4.625%
HK$15,357
+HK$769/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,176/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$15,995
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,493
−HK$505/mo
Today · 4.125%
HK$16,998
baseline
▲ 0.50% · 4.625%
HK$18,032
+HK$1,034/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$33,996/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$17,794
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,272
−HK$484/mo
Today · 4.125%
HK$18,756
baseline
▲ 0.50% · 4.625%
HK$19,744
+HK$988/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,512/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).