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$8,897
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,174
−HK$281/mo
Today · 4.125%
HK$9,455
baseline
▲ 0.50% · 4.625%
HK$10,031
+HK$576/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,910/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$9,898
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,164
−HK$269/mo
Today · 4.125%
HK$10,433
baseline
▲ 0.50% · 4.625%
HK$10,983
+HK$550/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,866/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$10,677
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,009
−HK$337/mo
Today · 4.125%
HK$11,346
baseline
▲ 0.50% · 4.625%
HK$12,037
+HK$691/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,692/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$11,878
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,196
−HK$324/mo
Today · 4.125%
HK$12,520
baseline
▲ 0.50% · 4.625%
HK$13,179
+HK$659/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,040/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$12,456
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,844
−HK$393/mo
Today · 4.125%
HK$13,237
baseline
▲ 0.50% · 4.625%
HK$14,043
+HK$806/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,474/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$13,857
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,229
−HK$377/mo
Today · 4.125%
HK$14,606
baseline
▲ 0.50% · 4.625%
HK$15,376
+HK$770/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,212/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$16,015
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,513
−HK$506/mo
Today · 4.125%
HK$17,019
baseline
▲ 0.50% · 4.625%
HK$18,055
+HK$1,036/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$34,038/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$17,817
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,295
−HK$484/mo
Today · 4.125%
HK$18,779
baseline
▲ 0.50% · 4.625%
HK$19,769
+HK$990/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,558/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).