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$8,810
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,084
−HK$278/mo
Today · 4.125%
HK$9,362
baseline
▲ 0.50% · 4.625%
HK$9,932
+HK$570/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,724/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$9,801
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,064
−HK$266/mo
Today · 4.125%
HK$10,330
baseline
▲ 0.50% · 4.625%
HK$10,875
+HK$545/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,660/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$10,572
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,901
−HK$334/mo
Today · 4.125%
HK$11,235
baseline
▲ 0.50% · 4.625%
HK$11,918
+HK$683/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,470/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$11,761
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,076
−HK$320/mo
Today · 4.125%
HK$12,396
baseline
▲ 0.50% · 4.625%
HK$13,050
+HK$654/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,792/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$12,334
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,717
−HK$390/mo
Today · 4.125%
HK$13,107
baseline
▲ 0.50% · 4.625%
HK$13,905
+HK$798/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,214/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$13,721
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,089
−HK$373/mo
Today · 4.125%
HK$14,462
baseline
▲ 0.50% · 4.625%
HK$15,225
+HK$763/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,924/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$15,858
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,351
−HK$501/mo
Today · 4.125%
HK$16,852
baseline
▲ 0.50% · 4.625%
HK$17,877
+HK$1,025/mo
Deposit HK$386K · loan HK$3.48M · min. income ≈ HK$33,704/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$17,642
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,115
−HK$480/mo
Today · 4.125%
HK$18,595
baseline
▲ 0.50% · 4.625%
HK$19,575
+HK$980/mo
Deposit HK$386K · loan HK$3.48M · min. income ≈ HK$37,190/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).