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$8,840
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,114
−HK$280/mo
Today · 4.125%
HK$9,394
baseline
▲ 0.50% · 4.625%
HK$9,965
+HK$571/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,788/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$9,834
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,098
−HK$267/mo
Today · 4.125%
HK$10,365
baseline
▲ 0.50% · 4.625%
HK$10,912
+HK$547/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,730/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$10,607
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,937
−HK$336/mo
Today · 4.125%
HK$11,273
baseline
▲ 0.50% · 4.625%
HK$11,959
+HK$686/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,546/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$11,801
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,117
−HK$321/mo
Today · 4.125%
HK$12,438
baseline
▲ 0.50% · 4.625%
HK$13,094
+HK$656/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,876/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$12,375
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,760
−HK$391/mo
Today · 4.125%
HK$13,151
baseline
▲ 0.50% · 4.625%
HK$13,952
+HK$801/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,302/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$13,767
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,137
−HK$374/mo
Today · 4.125%
HK$14,511
baseline
▲ 0.50% · 4.625%
HK$15,276
+HK$765/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$29,022/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$15,911
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,406
−HK$503/mo
Today · 4.125%
HK$16,909
baseline
▲ 0.50% · 4.625%
HK$17,938
+HK$1,029/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$33,818/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$17,701
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,176
−HK$481/mo
Today · 4.125%
HK$18,657
baseline
▲ 0.50% · 4.625%
HK$19,641
+HK$984/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$37,314/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).