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$8,901
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,178
−HK$281/mo
Today · 4.125%
HK$9,459
baseline
▲ 0.50% · 4.625%
HK$10,035
+HK$576/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,918/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$9,902
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,168
−HK$269/mo
Today · 4.125%
HK$10,437
baseline
▲ 0.50% · 4.625%
HK$10,987
+HK$550/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,874/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$10,681
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,013
−HK$338/mo
Today · 4.125%
HK$11,351
baseline
▲ 0.50% · 4.625%
HK$12,042
+HK$691/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,702/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$11,883
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,201
−HK$324/mo
Today · 4.125%
HK$12,525
baseline
▲ 0.50% · 4.625%
HK$13,185
+HK$660/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,050/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$12,461
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,849
−HK$394/mo
Today · 4.125%
HK$13,243
baseline
▲ 0.50% · 4.625%
HK$14,049
+HK$806/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,486/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$13,863
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,235
−HK$377/mo
Today · 4.125%
HK$14,612
baseline
▲ 0.50% · 4.625%
HK$15,382
+HK$770/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,224/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$16,022
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,520
−HK$507/mo
Today · 4.125%
HK$17,027
baseline
▲ 0.50% · 4.625%
HK$18,063
+HK$1,036/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$34,054/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$17,824
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,302
−HK$485/mo
Today · 4.125%
HK$18,787
baseline
▲ 0.50% · 4.625%
HK$19,777
+HK$990/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,574/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).