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$8,889
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,165
−HK$281/mo
Today · 4.125%
HK$9,446
baseline
▲ 0.50% · 4.625%
HK$10,021
+HK$575/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,892/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$9,889
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,154
−HK$269/mo
Today · 4.125%
HK$10,423
baseline
▲ 0.50% · 4.625%
HK$10,972
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,846/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$10,667
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,998
−HK$337/mo
Today · 4.125%
HK$11,335
baseline
▲ 0.50% · 4.625%
HK$12,025
+HK$690/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,670/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$11,866
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,185
−HK$323/mo
Today · 4.125%
HK$12,508
baseline
▲ 0.50% · 4.625%
HK$13,167
+HK$659/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,016/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$12,444
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,831
−HK$394/mo
Today · 4.125%
HK$13,225
baseline
▲ 0.50% · 4.625%
HK$14,029
+HK$804/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,450/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$13,844
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,216
−HK$376/mo
Today · 4.125%
HK$14,592
baseline
▲ 0.50% · 4.625%
HK$15,361
+HK$769/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,184/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$16,000
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,498
−HK$505/mo
Today · 4.125%
HK$17,003
baseline
▲ 0.50% · 4.625%
HK$18,038
+HK$1,035/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$34,006/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$17,800
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,277
−HK$484/mo
Today · 4.125%
HK$18,761
baseline
▲ 0.50% · 4.625%
HK$19,750
+HK$989/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,522/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).