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$10,061
−HK$267/mo
Today · 4.125%
HK$10,328
baseline
▲ 0.50% · 4.625%
HK$10,872
+HK$544/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$10,569
−HK$663/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$11,758
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,074
−HK$319/mo
Today · 4.125%
HK$12,393
baseline
▲ 0.50% · 4.625%
HK$13,047
+HK$654/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,786/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$12,714
−HK$390/mo
Today · 4.125%
HK$13,104
baseline
▲ 0.50% · 4.625%
HK$13,901
+HK$797/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$741/mo
▼ 0.25% · 3.875%
HK$14,086
−HK$373/mo
Today · 4.125%
HK$14,459
baseline
▲ 0.50% · 4.625%
HK$15,221
+HK$762/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,918/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$994/mo
▼ 0.25% · 3.875%
HK$16,347
−HK$501/mo
Today · 4.125%
HK$16,848
baseline
▲ 0.50% · 4.625%
HK$17,873
+HK$1,025/mo
Deposit HK$386K · loan HK$3.48M · min. income ≈ HK$33,696/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$17,637
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,110
−HK$480/mo
Today · 4.125%
HK$18,590
baseline
▲ 0.50% · 4.625%
HK$19,570
+HK$980/mo
Deposit HK$386K · loan HK$3.48M · min. income ≈ HK$37,180/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).