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$8,847
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,123
−HK$279/mo
Today · 4.125%
HK$9,402
baseline
▲ 0.50% · 4.625%
HK$9,974
+HK$572/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,804/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,843
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,107
−HK$267/mo
Today · 4.125%
HK$10,374
baseline
▲ 0.50% · 4.625%
HK$10,921
+HK$547/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,748/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,617
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,947
−HK$336/mo
Today · 4.125%
HK$11,283
baseline
▲ 0.50% · 4.625%
HK$11,969
+HK$686/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,566/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,811
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,128
−HK$321/mo
Today · 4.125%
HK$12,449
baseline
▲ 0.50% · 4.625%
HK$13,105
+HK$656/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,898/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,386
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,772
−HK$391/mo
Today · 4.125%
HK$13,163
baseline
▲ 0.50% · 4.625%
HK$13,964
+HK$801/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$26,326/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,780
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,149
−HK$375/mo
Today · 4.125%
HK$14,524
baseline
▲ 0.50% · 4.625%
HK$15,290
+HK$766/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$29,048/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,925
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,421
−HK$503/mo
Today · 4.125%
HK$16,924
baseline
▲ 0.50% · 4.625%
HK$17,954
+HK$1,030/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$33,848/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,717
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,192
−HK$482/mo
Today · 4.125%
HK$18,674
baseline
▲ 0.50% · 4.625%
HK$19,658
+HK$984/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$37,348/mo (50% DSR)
Upfront cash ≈ HK$388K (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).