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$8,842
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,117
−HK$280/mo
Today · 4.125%
HK$9,397
baseline
▲ 0.50% · 4.625%
HK$9,968
+HK$571/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,794/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$9,837
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,101
−HK$267/mo
Today · 4.125%
HK$10,368
baseline
▲ 0.50% · 4.625%
HK$10,915
+HK$547/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,736/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$10,611
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,941
−HK$335/mo
Today · 4.125%
HK$11,276
baseline
▲ 0.50% · 4.625%
HK$11,962
+HK$686/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,552/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$11,804
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,121
−HK$321/mo
Today · 4.125%
HK$12,442
baseline
▲ 0.50% · 4.625%
HK$13,098
+HK$656/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,884/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$12,379
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,764
−HK$391/mo
Today · 4.125%
HK$13,155
baseline
▲ 0.50% · 4.625%
HK$13,956
+HK$801/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,310/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$13,772
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,141
−HK$375/mo
Today · 4.125%
HK$14,516
baseline
▲ 0.50% · 4.625%
HK$15,281
+HK$765/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$29,032/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$15,916
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,411
−HK$503/mo
Today · 4.125%
HK$16,914
baseline
▲ 0.50% · 4.625%
HK$17,943
+HK$1,029/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$33,828/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,706
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,181
−HK$482/mo
Today · 4.125%
HK$18,663
baseline
▲ 0.50% · 4.625%
HK$19,647
+HK$984/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$37,326/mo (50% DSR)
Upfront cash ≈ HK$388K (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).