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$8,899
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,176
−HK$281/mo
Today · 4.125%
HK$9,457
baseline
▲ 0.50% · 4.625%
HK$10,032
+HK$575/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,914/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$9,900
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,166
−HK$269/mo
Today · 4.125%
HK$10,435
baseline
▲ 0.50% · 4.625%
HK$10,985
+HK$550/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,870/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$10,679
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,011
−HK$337/mo
Today · 4.125%
HK$11,348
baseline
▲ 0.50% · 4.625%
HK$12,039
+HK$691/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,696/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$11,880
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,199
−HK$323/mo
Today · 4.125%
HK$12,522
baseline
▲ 0.50% · 4.625%
HK$13,182
+HK$660/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,044/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$12,459
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,846
−HK$394/mo
Today · 4.125%
HK$13,240
baseline
▲ 0.50% · 4.625%
HK$14,045
+HK$805/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,480/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$13,860
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,232
−HK$377/mo
Today · 4.125%
HK$14,609
baseline
▲ 0.50% · 4.625%
HK$15,379
+HK$770/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,218/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$16,018
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,516
−HK$507/mo
Today · 4.125%
HK$17,023
baseline
▲ 0.50% · 4.625%
HK$18,058
+HK$1,035/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$34,046/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$17,820
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,298
−HK$485/mo
Today · 4.125%
HK$18,783
baseline
▲ 0.50% · 4.625%
HK$19,773
+HK$990/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,566/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).