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$8,883
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,159
−HK$281/mo
Today · 4.125%
HK$9,440
baseline
▲ 0.50% · 4.625%
HK$10,015
+HK$575/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,880/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$9,882
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,147
−HK$269/mo
Today · 4.125%
HK$10,416
baseline
▲ 0.50% · 4.625%
HK$10,965
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,832/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$10,660
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,991
−HK$337/mo
Today · 4.125%
HK$11,328
baseline
▲ 0.50% · 4.625%
HK$12,017
+HK$689/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,656/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$11,859
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,177
−HK$323/mo
Today · 4.125%
HK$12,500
baseline
▲ 0.50% · 4.625%
HK$13,158
+HK$658/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,000/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$12,436
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,823
−HK$393/mo
Today · 4.125%
HK$13,216
baseline
▲ 0.50% · 4.625%
HK$14,020
+HK$804/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,432/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$13,835
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,206
−HK$377/mo
Today · 4.125%
HK$14,583
baseline
▲ 0.50% · 4.625%
HK$15,351
+HK$768/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,166/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$15,990
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,487
−HK$505/mo
Today · 4.125%
HK$16,992
baseline
▲ 0.50% · 4.625%
HK$18,026
+HK$1,034/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$33,984/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$17,788
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,265
−HK$484/mo
Today · 4.125%
HK$18,749
baseline
▲ 0.50% · 4.625%
HK$19,738
+HK$989/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,498/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).