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$8,850
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,125
−HK$280/mo
Today · 4.125%
HK$9,405
baseline
▲ 0.50% · 4.625%
HK$9,977
+HK$572/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,810/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$9,845
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,109
−HK$268/mo
Today · 4.125%
HK$10,377
baseline
▲ 0.50% · 4.625%
HK$10,924
+HK$547/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,754/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$10,619
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,950
−HK$335/mo
Today · 4.125%
HK$11,285
baseline
▲ 0.50% · 4.625%
HK$11,972
+HK$687/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,570/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$11,814
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,131
−HK$321/mo
Today · 4.125%
HK$12,452
baseline
▲ 0.50% · 4.625%
HK$13,109
+HK$657/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,904/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$12,389
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,775
−HK$391/mo
Today · 4.125%
HK$13,166
baseline
▲ 0.50% · 4.625%
HK$13,967
+HK$801/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$26,332/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$13,783
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,153
−HK$375/mo
Today · 4.125%
HK$14,528
baseline
▲ 0.50% · 4.625%
HK$15,293
+HK$765/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$29,056/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$15,929
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,425
−HK$503/mo
Today · 4.125%
HK$16,928
baseline
▲ 0.50% · 4.625%
HK$17,958
+HK$1,030/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$33,856/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$17,721
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,196
−HK$482/mo
Today · 4.125%
HK$18,678
baseline
▲ 0.50% · 4.625%
HK$19,663
+HK$985/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$37,356/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).