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$8,898
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,175
−HK$281/mo
Today · 4.125%
HK$9,456
baseline
▲ 0.50% · 4.625%
HK$10,032
+HK$576/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,912/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$9,899
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,165
−HK$269/mo
Today · 4.125%
HK$10,434
baseline
▲ 0.50% · 4.625%
HK$10,984
+HK$550/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,868/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$10,678
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,010
−HK$338/mo
Today · 4.125%
HK$11,348
baseline
▲ 0.50% · 4.625%
HK$12,038
+HK$690/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,696/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$11,879
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,198
−HK$323/mo
Today · 4.125%
HK$12,521
baseline
▲ 0.50% · 4.625%
HK$13,181
+HK$660/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,042/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$12,458
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,845
−HK$394/mo
Today · 4.125%
HK$13,239
baseline
▲ 0.50% · 4.625%
HK$14,045
+HK$806/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,478/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$13,859
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,231
−HK$377/mo
Today · 4.125%
HK$14,608
baseline
▲ 0.50% · 4.625%
HK$15,378
+HK$770/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,216/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$16,017
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,515
−HK$507/mo
Today · 4.125%
HK$17,022
baseline
▲ 0.50% · 4.625%
HK$18,057
+HK$1,035/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$34,044/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$17,819
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,297
−HK$485/mo
Today · 4.125%
HK$18,782
baseline
▲ 0.50% · 4.625%
HK$19,772
+HK$990/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,564/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).