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$8,880
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,156
−HK$281/mo
Today · 4.125%
HK$9,437
baseline
▲ 0.50% · 4.625%
HK$10,011
+HK$574/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,874/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$9,879
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,144
−HK$268/mo
Today · 4.125%
HK$10,412
baseline
▲ 0.50% · 4.625%
HK$10,961
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,824/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$10,656
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,987
−HK$337/mo
Today · 4.125%
HK$11,324
baseline
▲ 0.50% · 4.625%
HK$12,013
+HK$689/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,648/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$11,855
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,172
−HK$323/mo
Today · 4.125%
HK$12,495
baseline
▲ 0.50% · 4.625%
HK$13,154
+HK$659/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$24,990/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$12,432
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,819
−HK$392/mo
Today · 4.125%
HK$13,211
baseline
▲ 0.50% · 4.625%
HK$14,015
+HK$804/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,422/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$13,830
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,201
−HK$376/mo
Today · 4.125%
HK$14,577
baseline
▲ 0.50% · 4.625%
HK$15,346
+HK$769/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,154/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$15,984
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,481
−HK$505/mo
Today · 4.125%
HK$16,986
baseline
▲ 0.50% · 4.625%
HK$18,020
+HK$1,034/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$33,972/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$17,782
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,259
−HK$483/mo
Today · 4.125%
HK$18,742
baseline
▲ 0.50% · 4.625%
HK$19,730
+HK$988/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,484/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).