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$8,818
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,092
−HK$278/mo
Today · 4.125%
HK$9,370
baseline
▲ 0.50% · 4.625%
HK$9,941
+HK$571/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,740/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$9,809
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,072
−HK$267/mo
Today · 4.125%
HK$10,339
baseline
▲ 0.50% · 4.625%
HK$10,884
+HK$545/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,678/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$10,581
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,910
−HK$335/mo
Today · 4.125%
HK$11,245
baseline
▲ 0.50% · 4.625%
HK$11,929
+HK$684/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,490/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$11,771
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,087
−HK$320/mo
Today · 4.125%
HK$12,407
baseline
▲ 0.50% · 4.625%
HK$13,061
+HK$654/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,814/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$12,345
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,729
−HK$390/mo
Today · 4.125%
HK$13,119
baseline
▲ 0.50% · 4.625%
HK$13,917
+HK$798/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,238/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$13,733
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,101
−HK$374/mo
Today · 4.125%
HK$14,475
baseline
▲ 0.50% · 4.625%
HK$15,238
+HK$763/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,950/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$15,872
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,365
−HK$502/mo
Today · 4.125%
HK$16,867
baseline
▲ 0.50% · 4.625%
HK$17,893
+HK$1,026/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$33,734/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$17,657
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,130
−HK$481/mo
Today · 4.125%
HK$18,611
baseline
▲ 0.50% · 4.625%
HK$19,592
+HK$981/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$37,222/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).