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$8,898
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,175
−HK$281/mo
Today · 4.125%
HK$9,456
baseline
▲ 0.50% · 4.625%
HK$10,031
+HK$575/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,912/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$9,899
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,164
−HK$270/mo
Today · 4.125%
HK$10,434
baseline
▲ 0.50% · 4.625%
HK$10,984
+HK$550/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,868/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$10,677
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,010
−HK$337/mo
Today · 4.125%
HK$11,347
baseline
▲ 0.50% · 4.625%
HK$12,037
+HK$690/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,694/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$11,879
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,197
−HK$323/mo
Today · 4.125%
HK$12,520
baseline
▲ 0.50% · 4.625%
HK$13,180
+HK$660/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,040/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$12,457
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,844
−HK$394/mo
Today · 4.125%
HK$13,238
baseline
▲ 0.50% · 4.625%
HK$14,044
+HK$806/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,476/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$13,858
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,230
−HK$377/mo
Today · 4.125%
HK$14,607
baseline
▲ 0.50% · 4.625%
HK$15,377
+HK$770/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,214/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$16,016
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,514
−HK$506/mo
Today · 4.125%
HK$17,020
baseline
▲ 0.50% · 4.625%
HK$18,056
+HK$1,036/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$34,040/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$17,818
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,296
−HK$484/mo
Today · 4.125%
HK$18,780
baseline
▲ 0.50% · 4.625%
HK$19,770
+HK$990/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,560/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).