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$8,887
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,163
−HK$281/mo
Today · 4.125%
HK$9,444
baseline
▲ 0.50% · 4.625%
HK$10,018
+HK$574/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,888/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$9,886
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,151
−HK$269/mo
Today · 4.125%
HK$10,420
baseline
▲ 0.50% · 4.625%
HK$10,970
+HK$550/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,840/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$10,664
−HK$669/mo
▼ 0.25% · 3.875%
HK$10,996
−HK$337/mo
Today · 4.125%
HK$11,333
baseline
▲ 0.50% · 4.625%
HK$12,022
+HK$689/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,666/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$11,863
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,182
−HK$322/mo
Today · 4.125%
HK$12,504
baseline
▲ 0.50% · 4.625%
HK$13,164
+HK$660/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,008/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$12,441
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,828
−HK$393/mo
Today · 4.125%
HK$13,221
baseline
▲ 0.50% · 4.625%
HK$14,026
+HK$805/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,442/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$13,841
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,212
−HK$377/mo
Today · 4.125%
HK$14,589
baseline
▲ 0.50% · 4.625%
HK$15,358
+HK$769/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,178/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$15,996
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,493
−HK$506/mo
Today · 4.125%
HK$16,999
baseline
▲ 0.50% · 4.625%
HK$18,033
+HK$1,034/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$33,998/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$17,795
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,273
−HK$484/mo
Today · 4.125%
HK$18,757
baseline
▲ 0.50% · 4.625%
HK$19,745
+HK$988/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,514/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).