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$8,827
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,101
−HK$279/mo
Today · 4.125%
HK$9,380
baseline
▲ 0.50% · 4.625%
HK$9,951
+HK$571/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,760/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$9,820
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,083
−HK$267/mo
Today · 4.125%
HK$10,350
baseline
▲ 0.50% · 4.625%
HK$10,896
+HK$546/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,700/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$10,592
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,921
−HK$335/mo
Today · 4.125%
HK$11,256
baseline
▲ 0.50% · 4.625%
HK$11,941
+HK$685/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,512/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$11,783
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,100
−HK$320/mo
Today · 4.125%
HK$12,420
baseline
▲ 0.50% · 4.625%
HK$13,075
+HK$655/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,840/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$12,357
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,742
−HK$390/mo
Today · 4.125%
HK$13,132
baseline
▲ 0.50% · 4.625%
HK$13,931
+HK$799/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,264/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$13,747
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,116
−HK$374/mo
Today · 4.125%
HK$14,490
baseline
▲ 0.50% · 4.625%
HK$15,254
+HK$764/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,980/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$15,888
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,382
−HK$502/mo
Today · 4.125%
HK$16,884
baseline
▲ 0.50% · 4.625%
HK$17,912
+HK$1,028/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$33,768/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$17,675
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,149
−HK$481/mo
Today · 4.125%
HK$18,630
baseline
▲ 0.50% · 4.625%
HK$19,612
+HK$982/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$37,260/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).