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$8,835
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,109
−HK$280/mo
Today · 4.125%
HK$9,389
baseline
▲ 0.50% · 4.625%
HK$9,960
+HK$571/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,778/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$9,828
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,092
−HK$267/mo
Today · 4.125%
HK$10,359
baseline
▲ 0.50% · 4.625%
HK$10,906
+HK$547/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,718/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$10,602
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,931
−HK$335/mo
Today · 4.125%
HK$11,266
baseline
▲ 0.50% · 4.625%
HK$11,952
+HK$686/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,532/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$11,794
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,110
−HK$321/mo
Today · 4.125%
HK$12,431
baseline
▲ 0.50% · 4.625%
HK$13,087
+HK$656/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,862/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$12,369
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,753
−HK$391/mo
Today · 4.125%
HK$13,144
baseline
▲ 0.50% · 4.625%
HK$13,944
+HK$800/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,288/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$13,760
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,129
−HK$374/mo
Today · 4.125%
HK$14,503
baseline
▲ 0.50% · 4.625%
HK$15,268
+HK$765/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$29,006/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$15,902
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,397
−HK$503/mo
Today · 4.125%
HK$16,900
baseline
▲ 0.50% · 4.625%
HK$17,928
+HK$1,028/mo
Deposit HK$387K · loan HK$3.49M · min. income ≈ HK$33,800/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$17,691
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,166
−HK$481/mo
Today · 4.125%
HK$18,647
baseline
▲ 0.50% · 4.625%
HK$19,630
+HK$983/mo
Deposit HK$387K · loan HK$3.49M · min. income ≈ HK$37,294/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).