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$8,790
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,064
−HK$278/mo
Today · 4.125%
HK$9,342
baseline
▲ 0.50% · 4.625%
HK$9,910
+HK$568/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,684/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$9,779
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,042
−HK$266/mo
Today · 4.125%
HK$10,308
baseline
▲ 0.50% · 4.625%
HK$10,851
+HK$543/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,616/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$10,549
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,877
−HK$333/mo
Today · 4.125%
HK$11,210
baseline
▲ 0.50% · 4.625%
HK$11,892
+HK$682/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,420/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,735
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,050
−HK$319/mo
Today · 4.125%
HK$12,369
baseline
▲ 0.50% · 4.625%
HK$13,021
+HK$652/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,738/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,307
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,689
−HK$389/mo
Today · 4.125%
HK$13,078
baseline
▲ 0.50% · 4.625%
HK$13,874
+HK$796/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,156/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$13,691
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,058
−HK$373/mo
Today · 4.125%
HK$14,431
baseline
▲ 0.50% · 4.625%
HK$15,191
+HK$760/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,862/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$15,823
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,315
−HK$500/mo
Today · 4.125%
HK$16,815
baseline
▲ 0.50% · 4.625%
HK$17,838
+HK$1,023/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$33,630/mo (50% DSR)
Upfront cash ≈ HK$386K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,603
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,075
−HK$479/mo
Today · 4.125%
HK$18,554
baseline
▲ 0.50% · 4.625%
HK$19,532
+HK$978/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$37,108/mo (50% DSR)
Upfront cash ≈ HK$386K (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).