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$8,904
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,181
−HK$282/mo
Today · 4.125%
HK$9,463
baseline
▲ 0.50% · 4.625%
HK$10,038
+HK$575/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,926/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$9,906
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,171
−HK$270/mo
Today · 4.125%
HK$10,441
baseline
▲ 0.50% · 4.625%
HK$10,991
+HK$550/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,882/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$10,685
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,017
−HK$338/mo
Today · 4.125%
HK$11,355
baseline
▲ 0.50% · 4.625%
HK$12,046
+HK$691/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,710/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$11,887
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,206
−HK$323/mo
Today · 4.125%
HK$12,529
baseline
▲ 0.50% · 4.625%
HK$13,190
+HK$661/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,058/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$12,466
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,854
−HK$394/mo
Today · 4.125%
HK$13,248
baseline
▲ 0.50% · 4.625%
HK$14,054
+HK$806/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,496/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$13,868
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,240
−HK$377/mo
Today · 4.125%
HK$14,617
baseline
▲ 0.50% · 4.625%
HK$15,388
+HK$771/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,234/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$16,028
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,526
−HK$507/mo
Today · 4.125%
HK$17,033
baseline
▲ 0.50% · 4.625%
HK$18,069
+HK$1,036/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$34,066/mo (50% DSR)
Upfront cash ≈ HK$391K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,830
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,309
−HK$485/mo
Today · 4.125%
HK$18,794
baseline
▲ 0.50% · 4.625%
HK$19,784
+HK$990/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,588/mo (50% DSR)
Upfront cash ≈ HK$391K (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).