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$8,830
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,105
−HK$279/mo
Today · 4.125%
HK$9,384
baseline
▲ 0.50% · 4.625%
HK$9,955
+HK$571/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,768/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$9,824
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,087
−HK$267/mo
Today · 4.125%
HK$10,354
baseline
▲ 0.50% · 4.625%
HK$10,900
+HK$546/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,708/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$10,596
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,926
−HK$335/mo
Today · 4.125%
HK$11,261
baseline
▲ 0.50% · 4.625%
HK$11,946
+HK$685/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,522/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$11,788
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,105
−HK$320/mo
Today · 4.125%
HK$12,425
baseline
▲ 0.50% · 4.625%
HK$13,080
+HK$655/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,850/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$12,363
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,747
−HK$391/mo
Today · 4.125%
HK$13,138
baseline
▲ 0.50% · 4.625%
HK$13,937
+HK$799/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,276/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$13,753
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,122
−HK$374/mo
Today · 4.125%
HK$14,496
baseline
▲ 0.50% · 4.625%
HK$15,260
+HK$764/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,992/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$15,895
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,389
−HK$502/mo
Today · 4.125%
HK$16,891
baseline
▲ 0.50% · 4.625%
HK$17,919
+HK$1,028/mo
Deposit HK$387K · loan HK$3.49M · min. income ≈ HK$33,782/mo (50% DSR)
Upfront cash ≈ HK$387K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,683
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,157
−HK$481/mo
Today · 4.125%
HK$18,638
baseline
▲ 0.50% · 4.625%
HK$19,620
+HK$982/mo
Deposit HK$387K · loan HK$3.49M · min. income ≈ HK$37,276/mo (50% DSR)
Upfront cash ≈ HK$387K (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).