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$8,891
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,168
−HK$281/mo
Today · 4.125%
HK$9,449
baseline
▲ 0.50% · 4.625%
HK$10,024
+HK$575/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,898/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$9,891
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,157
−HK$269/mo
Today · 4.125%
HK$10,426
baseline
▲ 0.50% · 4.625%
HK$10,975
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,852/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$10,670
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,001
−HK$338/mo
Today · 4.125%
HK$11,339
baseline
▲ 0.50% · 4.625%
HK$12,029
+HK$690/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,678/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$11,870
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,188
−HK$323/mo
Today · 4.125%
HK$12,511
baseline
▲ 0.50% · 4.625%
HK$13,171
+HK$660/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,022/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$12,448
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,835
−HK$393/mo
Today · 4.125%
HK$13,228
baseline
▲ 0.50% · 4.625%
HK$14,033
+HK$805/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,456/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$13,848
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,219
−HK$377/mo
Today · 4.125%
HK$14,596
baseline
▲ 0.50% · 4.625%
HK$15,366
+HK$770/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,192/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$16,004
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,502
−HK$506/mo
Today · 4.125%
HK$17,008
baseline
▲ 0.50% · 4.625%
HK$18,043
+HK$1,035/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$34,016/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$17,805
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,282
−HK$485/mo
Today · 4.125%
HK$18,767
baseline
▲ 0.50% · 4.625%
HK$19,756
+HK$989/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,534/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).