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$8,853
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,129
−HK$280/mo
Today · 4.125%
HK$9,409
baseline
▲ 0.50% · 4.625%
HK$9,981
+HK$572/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,818/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$9,849
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,114
−HK$268/mo
Today · 4.125%
HK$10,382
baseline
▲ 0.50% · 4.625%
HK$10,929
+HK$547/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,764/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$10,624
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,955
−HK$335/mo
Today · 4.125%
HK$11,290
baseline
▲ 0.50% · 4.625%
HK$11,977
+HK$687/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,580/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$11,819
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,136
−HK$322/mo
Today · 4.125%
HK$12,458
baseline
▲ 0.50% · 4.625%
HK$13,114
+HK$656/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,916/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$12,395
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,780
−HK$392/mo
Today · 4.125%
HK$13,172
baseline
▲ 0.50% · 4.625%
HK$13,974
+HK$802/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$26,344/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$13,789
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,159
−HK$375/mo
Today · 4.125%
HK$14,534
baseline
▲ 0.50% · 4.625%
HK$15,300
+HK$766/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$29,068/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$15,936
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,432
−HK$504/mo
Today · 4.125%
HK$16,936
baseline
▲ 0.50% · 4.625%
HK$17,966
+HK$1,030/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$33,872/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$17,729
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,204
−HK$483/mo
Today · 4.125%
HK$18,687
baseline
▲ 0.50% · 4.625%
HK$19,672
+HK$985/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$37,374/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).