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$8,808
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,082
−HK$278/mo
Today · 4.125%
HK$9,360
baseline
▲ 0.50% · 4.625%
HK$9,930
+HK$570/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,720/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$9,799
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,062
−HK$266/mo
Today · 4.125%
HK$10,328
baseline
▲ 0.50% · 4.625%
HK$10,873
+HK$545/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,656/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$10,570
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,898
−HK$334/mo
Today · 4.125%
HK$11,232
baseline
▲ 0.50% · 4.625%
HK$11,916
+HK$684/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,464/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$11,759
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,074
−HK$320/mo
Today · 4.125%
HK$12,394
baseline
▲ 0.50% · 4.625%
HK$13,047
+HK$653/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,788/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$12,331
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,715
−HK$389/mo
Today · 4.125%
HK$13,104
baseline
▲ 0.50% · 4.625%
HK$13,902
+HK$798/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,208/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$13,718
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,086
−HK$374/mo
Today · 4.125%
HK$14,460
baseline
▲ 0.50% · 4.625%
HK$15,222
+HK$762/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,920/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$15,854
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,348
−HK$501/mo
Today · 4.125%
HK$16,849
baseline
▲ 0.50% · 4.625%
HK$17,874
+HK$1,025/mo
Deposit HK$386K · loan HK$3.48M · min. income ≈ HK$33,698/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$17,638
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,111
−HK$480/mo
Today · 4.125%
HK$18,591
baseline
▲ 0.50% · 4.625%
HK$19,571
+HK$980/mo
Deposit HK$386K · loan HK$3.48M · min. income ≈ HK$37,182/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).