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$8,894
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,171
−HK$281/mo
Today · 4.125%
HK$9,452
baseline
▲ 0.50% · 4.625%
HK$10,027
+HK$575/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,904/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$9,895
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,160
−HK$270/mo
Today · 4.125%
HK$10,430
baseline
▲ 0.50% · 4.625%
HK$10,979
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,860/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$10,673
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,005
−HK$338/mo
Today · 4.125%
HK$11,343
baseline
▲ 0.50% · 4.625%
HK$12,033
+HK$690/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,686/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$11,874
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,192
−HK$324/mo
Today · 4.125%
HK$12,516
baseline
▲ 0.50% · 4.625%
HK$13,175
+HK$659/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,032/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$12,452
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,840
−HK$393/mo
Today · 4.125%
HK$13,233
baseline
▲ 0.50% · 4.625%
HK$14,038
+HK$805/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,466/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$13,853
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,225
−HK$376/mo
Today · 4.125%
HK$14,601
baseline
▲ 0.50% · 4.625%
HK$15,371
+HK$770/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,202/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$16,010
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,508
−HK$506/mo
Today · 4.125%
HK$17,014
baseline
▲ 0.50% · 4.625%
HK$18,049
+HK$1,035/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$34,028/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$17,811
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,289
−HK$484/mo
Today · 4.125%
HK$18,773
baseline
▲ 0.50% · 4.625%
HK$19,763
+HK$990/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,546/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).