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$8,780
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,053
−HK$278/mo
Today · 4.125%
HK$9,331
baseline
▲ 0.50% · 4.625%
HK$9,898
+HK$567/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,662/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$9,768
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,030
−HK$266/mo
Today · 4.125%
HK$10,296
baseline
▲ 0.50% · 4.625%
HK$10,838
+HK$542/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,592/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$10,536
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,864
−HK$333/mo
Today · 4.125%
HK$11,197
baseline
▲ 0.50% · 4.625%
HK$11,878
+HK$681/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,394/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$11,721
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,036
−HK$319/mo
Today · 4.125%
HK$12,355
baseline
▲ 0.50% · 4.625%
HK$13,006
+HK$651/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,710/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$12,292
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,675
−HK$388/mo
Today · 4.125%
HK$13,063
baseline
▲ 0.50% · 4.625%
HK$13,858
+HK$795/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,126/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$13,675
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,042
−HK$372/mo
Today · 4.125%
HK$14,414
baseline
▲ 0.50% · 4.625%
HK$15,173
+HK$759/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,828/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$15,804
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,296
−HK$499/mo
Today · 4.125%
HK$16,795
baseline
▲ 0.50% · 4.625%
HK$17,817
+HK$1,022/mo
Deposit HK$385K · loan HK$3.47M · min. income ≈ HK$33,590/mo (50% DSR)
Upfront cash ≈ HK$385K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,582
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,054
−HK$478/mo
Today · 4.125%
HK$18,532
baseline
▲ 0.50% · 4.625%
HK$19,509
+HK$977/mo
Deposit HK$385K · loan HK$3.47M · min. income ≈ HK$37,064/mo (50% DSR)
Upfront cash ≈ HK$385K (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).