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$8,900
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,177
−HK$281/mo
Today · 4.125%
HK$9,458
baseline
▲ 0.50% · 4.625%
HK$10,033
+HK$575/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,916/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$9,901
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,167
−HK$269/mo
Today · 4.125%
HK$10,436
baseline
▲ 0.50% · 4.625%
HK$10,986
+HK$550/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,872/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$10,680
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,012
−HK$338/mo
Today · 4.125%
HK$11,350
baseline
▲ 0.50% · 4.625%
HK$12,040
+HK$690/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,700/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$11,881
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,200
−HK$323/mo
Today · 4.125%
HK$12,523
baseline
▲ 0.50% · 4.625%
HK$13,183
+HK$660/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,046/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$12,460
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,847
−HK$394/mo
Today · 4.125%
HK$13,241
baseline
▲ 0.50% · 4.625%
HK$14,047
+HK$806/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,482/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$13,861
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,233
−HK$377/mo
Today · 4.125%
HK$14,610
baseline
▲ 0.50% · 4.625%
HK$15,380
+HK$770/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,220/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$16,020
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,518
−HK$506/mo
Today · 4.125%
HK$17,024
baseline
▲ 0.50% · 4.625%
HK$18,060
+HK$1,036/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$34,048/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$17,822
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,300
−HK$485/mo
Today · 4.125%
HK$18,785
baseline
▲ 0.50% · 4.625%
HK$19,775
+HK$990/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,570/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).