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$8,802
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,076
−HK$278/mo
Today · 4.125%
HK$9,354
baseline
▲ 0.50% · 4.625%
HK$9,923
+HK$569/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,708/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$9,792
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,055
−HK$266/mo
Today · 4.125%
HK$10,321
baseline
▲ 0.50% · 4.625%
HK$10,865
+HK$544/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,642/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$10,562
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,891
−HK$334/mo
Today · 4.125%
HK$11,225
baseline
▲ 0.50% · 4.625%
HK$11,908
+HK$683/mo
Deposit HK$1.54M · loan HK$2.32M · min. income ≈ HK$22,450/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$11,751
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,066
−HK$319/mo
Today · 4.125%
HK$12,385
baseline
▲ 0.50% · 4.625%
HK$13,038
+HK$653/mo
Deposit HK$1.54M · loan HK$2.32M · min. income ≈ HK$24,770/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$12,323
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,706
−HK$390/mo
Today · 4.125%
HK$13,096
baseline
▲ 0.50% · 4.625%
HK$13,892
+HK$796/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,192/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$13,709
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,077
−HK$373/mo
Today · 4.125%
HK$14,450
baseline
▲ 0.50% · 4.625%
HK$15,211
+HK$761/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,900/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$15,844
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,336
−HK$501/mo
Today · 4.125%
HK$16,837
baseline
▲ 0.50% · 4.625%
HK$17,862
+HK$1,025/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$33,674/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$17,626
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,099
−HK$479/mo
Today · 4.125%
HK$18,578
baseline
▲ 0.50% · 4.625%
HK$19,557
+HK$979/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$37,156/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).