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$8,821
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,095
−HK$279/mo
Today · 4.125%
HK$9,374
baseline
▲ 0.50% · 4.625%
HK$9,944
+HK$570/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,748/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$9,813
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,076
−HK$267/mo
Today · 4.125%
HK$10,343
baseline
▲ 0.50% · 4.625%
HK$10,888
+HK$545/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,686/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$10,585
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,914
−HK$335/mo
Today · 4.125%
HK$11,249
baseline
▲ 0.50% · 4.625%
HK$11,933
+HK$684/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,498/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$11,775
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,091
−HK$321/mo
Today · 4.125%
HK$12,412
baseline
▲ 0.50% · 4.625%
HK$13,066
+HK$654/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,824/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$12,349
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,733
−HK$390/mo
Today · 4.125%
HK$13,123
baseline
▲ 0.50% · 4.625%
HK$13,922
+HK$799/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,246/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$13,738
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,106
−HK$374/mo
Today · 4.125%
HK$14,480
baseline
▲ 0.50% · 4.625%
HK$15,244
+HK$764/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,960/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$15,877
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,371
−HK$502/mo
Today · 4.125%
HK$16,873
baseline
▲ 0.50% · 4.625%
HK$17,899
+HK$1,026/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$33,746/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$17,663
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,137
−HK$480/mo
Today · 4.125%
HK$18,617
baseline
▲ 0.50% · 4.625%
HK$19,599
+HK$982/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$37,234/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).