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$8,878
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,155
−HK$280/mo
Today · 4.125%
HK$9,435
baseline
▲ 0.50% · 4.625%
HK$10,009
+HK$574/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,870/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$9,877
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,142
−HK$269/mo
Today · 4.125%
HK$10,411
baseline
▲ 0.50% · 4.625%
HK$10,960
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,822/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$10,654
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,986
−HK$336/mo
Today · 4.125%
HK$11,322
baseline
▲ 0.50% · 4.625%
HK$12,011
+HK$689/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,644/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$11,853
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,171
−HK$322/mo
Today · 4.125%
HK$12,493
baseline
▲ 0.50% · 4.625%
HK$13,152
+HK$659/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$24,986/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$12,430
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,817
−HK$392/mo
Today · 4.125%
HK$13,209
baseline
▲ 0.50% · 4.625%
HK$14,013
+HK$804/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,418/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$13,828
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,199
−HK$376/mo
Today · 4.125%
HK$14,575
baseline
▲ 0.50% · 4.625%
HK$15,344
+HK$769/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,150/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$15,981
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,478
−HK$505/mo
Today · 4.125%
HK$16,983
baseline
▲ 0.50% · 4.625%
HK$18,017
+HK$1,034/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$33,966/mo (50% DSR)
Upfront cash ≈ HK$389K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,779
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,256
−HK$484/mo
Today · 4.125%
HK$18,740
baseline
▲ 0.50% · 4.625%
HK$19,727
+HK$987/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,480/mo (50% DSR)
Upfront cash ≈ HK$389K (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).