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$8,882
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,158
−HK$281/mo
Today · 4.125%
HK$9,439
baseline
▲ 0.50% · 4.625%
HK$10,013
+HK$574/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,878/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$9,881
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,146
−HK$269/mo
Today · 4.125%
HK$10,415
baseline
▲ 0.50% · 4.625%
HK$10,964
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,830/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$10,658
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,989
−HK$337/mo
Today · 4.125%
HK$11,326
baseline
▲ 0.50% · 4.625%
HK$12,015
+HK$689/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,652/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$11,857
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,175
−HK$322/mo
Today · 4.125%
HK$12,497
baseline
▲ 0.50% · 4.625%
HK$13,156
+HK$659/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$24,994/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$12,434
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,821
−HK$393/mo
Today · 4.125%
HK$13,214
baseline
▲ 0.50% · 4.625%
HK$14,018
+HK$804/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,428/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$13,833
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,204
−HK$376/mo
Today · 4.125%
HK$14,580
baseline
▲ 0.50% · 4.625%
HK$15,349
+HK$769/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,160/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$15,987
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,484
−HK$505/mo
Today · 4.125%
HK$16,989
baseline
▲ 0.50% · 4.625%
HK$18,023
+HK$1,034/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$33,978/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$17,785
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,262
−HK$484/mo
Today · 4.125%
HK$18,746
baseline
▲ 0.50% · 4.625%
HK$19,734
+HK$988/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,492/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).