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$8,792
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,066
−HK$278/mo
Today · 4.125%
HK$9,344
baseline
▲ 0.50% · 4.625%
HK$9,912
+HK$568/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,688/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,781
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,044
−HK$266/mo
Today · 4.125%
HK$10,310
baseline
▲ 0.50% · 4.625%
HK$10,853
+HK$543/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,620/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,551
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,879
−HK$333/mo
Today · 4.125%
HK$11,212
baseline
▲ 0.50% · 4.625%
HK$11,895
+HK$683/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,424/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,738
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,053
−HK$319/mo
Today · 4.125%
HK$12,372
baseline
▲ 0.50% · 4.625%
HK$13,024
+HK$652/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,744/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,309
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,692
−HK$389/mo
Today · 4.125%
HK$13,081
baseline
▲ 0.50% · 4.625%
HK$13,877
+HK$796/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,162/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$13,694
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,061
−HK$373/mo
Today · 4.125%
HK$14,434
baseline
▲ 0.50% · 4.625%
HK$15,195
+HK$761/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,868/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$15,826
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,319
−HK$500/mo
Today · 4.125%
HK$16,819
baseline
▲ 0.50% · 4.625%
HK$17,842
+HK$1,023/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$33,638/mo (50% DSR)
Upfront cash ≈ HK$386K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,607
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,079
−HK$479/mo
Today · 4.125%
HK$18,558
baseline
▲ 0.50% · 4.625%
HK$19,536
+HK$978/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$37,116/mo (50% DSR)
Upfront cash ≈ HK$386K (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).