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$8,787
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,060
−HK$278/mo
Today · 4.125%
HK$9,338
baseline
▲ 0.50% · 4.625%
HK$9,906
+HK$568/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,676/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$9,775
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,037
−HK$266/mo
Today · 4.125%
HK$10,303
baseline
▲ 0.50% · 4.625%
HK$10,846
+HK$543/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,606/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$10,544
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,872
−HK$333/mo
Today · 4.125%
HK$11,205
baseline
▲ 0.50% · 4.625%
HK$11,887
+HK$682/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,410/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$11,730
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,045
−HK$319/mo
Today · 4.125%
HK$12,364
baseline
▲ 0.50% · 4.625%
HK$13,015
+HK$651/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,728/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$12,301
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,684
−HK$389/mo
Today · 4.125%
HK$13,073
baseline
▲ 0.50% · 4.625%
HK$13,868
+HK$795/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,146/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$13,685
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,052
−HK$372/mo
Today · 4.125%
HK$14,424
baseline
▲ 0.50% · 4.625%
HK$15,185
+HK$761/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,848/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$15,816
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,308
−HK$500/mo
Today · 4.125%
HK$16,808
baseline
▲ 0.50% · 4.625%
HK$17,830
+HK$1,022/mo
Deposit HK$385K · loan HK$3.47M · min. income ≈ HK$33,616/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$17,595
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,067
−HK$479/mo
Today · 4.125%
HK$18,546
baseline
▲ 0.50% · 4.625%
HK$19,523
+HK$977/mo
Deposit HK$385K · loan HK$3.47M · min. income ≈ HK$37,092/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).