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$8,811
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,085
−HK$278/mo
Today · 4.125%
HK$9,363
baseline
▲ 0.50% · 4.625%
HK$9,933
+HK$570/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,726/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$9,802
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,065
−HK$266/mo
Today · 4.125%
HK$10,331
baseline
▲ 0.50% · 4.625%
HK$10,876
+HK$545/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,662/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$10,573
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,902
−HK$334/mo
Today · 4.125%
HK$11,236
baseline
▲ 0.50% · 4.625%
HK$11,920
+HK$684/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,472/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$11,762
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,078
−HK$320/mo
Today · 4.125%
HK$12,398
baseline
▲ 0.50% · 4.625%
HK$13,051
+HK$653/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,796/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$12,335
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,719
−HK$390/mo
Today · 4.125%
HK$13,109
baseline
▲ 0.50% · 4.625%
HK$13,906
+HK$797/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,218/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$13,723
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,091
−HK$373/mo
Today · 4.125%
HK$14,464
baseline
▲ 0.50% · 4.625%
HK$15,226
+HK$762/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,928/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$15,859
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,353
−HK$501/mo
Today · 4.125%
HK$16,854
baseline
▲ 0.50% · 4.625%
HK$17,879
+HK$1,025/mo
Deposit HK$386K · loan HK$3.48M · min. income ≈ HK$33,708/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$17,643
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,117
−HK$480/mo
Today · 4.125%
HK$18,597
baseline
▲ 0.50% · 4.625%
HK$19,577
+HK$980/mo
Deposit HK$386K · loan HK$3.48M · min. income ≈ HK$37,194/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).