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$8,880
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,156
−HK$280/mo
Today · 4.125%
HK$9,436
baseline
▲ 0.50% · 4.625%
HK$10,011
+HK$575/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,872/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$9,878
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,143
−HK$269/mo
Today · 4.125%
HK$10,412
baseline
▲ 0.50% · 4.625%
HK$10,961
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,824/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$10,655
−HK$669/mo
▼ 0.25% · 3.875%
HK$10,987
−HK$337/mo
Today · 4.125%
HK$11,324
baseline
▲ 0.50% · 4.625%
HK$12,013
+HK$689/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,648/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$11,854
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,172
−HK$322/mo
Today · 4.125%
HK$12,494
baseline
▲ 0.50% · 4.625%
HK$13,153
+HK$659/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$24,988/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$12,431
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,818
−HK$393/mo
Today · 4.125%
HK$13,211
baseline
▲ 0.50% · 4.625%
HK$14,015
+HK$804/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,422/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$13,830
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,201
−HK$376/mo
Today · 4.125%
HK$14,577
baseline
▲ 0.50% · 4.625%
HK$15,345
+HK$768/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,154/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$15,983
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,480
−HK$505/mo
Today · 4.125%
HK$16,985
baseline
▲ 0.50% · 4.625%
HK$18,019
+HK$1,034/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$33,970/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$17,781
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,258
−HK$484/mo
Today · 4.125%
HK$18,742
baseline
▲ 0.50% · 4.625%
HK$19,730
+HK$988/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,484/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).