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$8,878
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,154
−HK$281/mo
Today · 4.125%
HK$9,435
baseline
▲ 0.50% · 4.625%
HK$10,009
+HK$574/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,870/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$9,877
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,142
−HK$268/mo
Today · 4.125%
HK$10,410
baseline
▲ 0.50% · 4.625%
HK$10,959
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,820/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$10,654
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,985
−HK$337/mo
Today · 4.125%
HK$11,322
baseline
▲ 0.50% · 4.625%
HK$12,011
+HK$689/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,644/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$11,852
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,170
−HK$322/mo
Today · 4.125%
HK$12,492
baseline
▲ 0.50% · 4.625%
HK$13,151
+HK$659/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$24,984/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$12,429
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,816
−HK$393/mo
Today · 4.125%
HK$13,209
baseline
▲ 0.50% · 4.625%
HK$14,012
+HK$803/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,418/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$13,827
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,198
−HK$377/mo
Today · 4.125%
HK$14,575
baseline
▲ 0.50% · 4.625%
HK$15,343
+HK$768/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,150/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$15,981
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,478
−HK$505/mo
Today · 4.125%
HK$16,983
baseline
▲ 0.50% · 4.625%
HK$18,016
+HK$1,033/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$33,966/mo (50% DSR)
Upfront cash ≈ HK$389K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,778
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,255
−HK$484/mo
Today · 4.125%
HK$18,739
baseline
▲ 0.50% · 4.625%
HK$19,726
+HK$987/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,478/mo (50% DSR)
Upfront cash ≈ HK$389K (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).