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$8,846
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,121
−HK$280/mo
Today · 4.125%
HK$9,401
baseline
▲ 0.50% · 4.625%
HK$9,973
+HK$572/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,802/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$9,841
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,105
−HK$268/mo
Today · 4.125%
HK$10,373
baseline
▲ 0.50% · 4.625%
HK$10,920
+HK$547/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,746/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$10,615
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,945
−HK$336/mo
Today · 4.125%
HK$11,281
baseline
▲ 0.50% · 4.625%
HK$11,967
+HK$686/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,562/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$11,809
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,126
−HK$321/mo
Today · 4.125%
HK$12,447
baseline
▲ 0.50% · 4.625%
HK$13,104
+HK$657/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,894/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$12,384
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,770
−HK$391/mo
Today · 4.125%
HK$13,161
baseline
▲ 0.50% · 4.625%
HK$13,962
+HK$801/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$26,322/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$13,778
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,147
−HK$375/mo
Today · 4.125%
HK$14,522
baseline
▲ 0.50% · 4.625%
HK$15,287
+HK$765/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$29,044/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$15,923
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,418
−HK$503/mo
Today · 4.125%
HK$16,921
baseline
▲ 0.50% · 4.625%
HK$17,951
+HK$1,030/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$33,842/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$17,714
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,189
−HK$482/mo
Today · 4.125%
HK$18,671
baseline
▲ 0.50% · 4.625%
HK$19,655
+HK$984/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$37,342/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).