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$8,840
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,115
−HK$280/mo
Today · 4.125%
HK$9,395
baseline
▲ 0.50% · 4.625%
HK$9,966
+HK$571/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,790/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$9,835
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,099
−HK$267/mo
Today · 4.125%
HK$10,366
baseline
▲ 0.50% · 4.625%
HK$10,913
+HK$547/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,732/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$10,608
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,938
−HK$336/mo
Today · 4.125%
HK$11,274
baseline
▲ 0.50% · 4.625%
HK$11,960
+HK$686/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,548/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$11,802
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,118
−HK$321/mo
Today · 4.125%
HK$12,439
baseline
▲ 0.50% · 4.625%
HK$13,095
+HK$656/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,878/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$12,377
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,762
−HK$391/mo
Today · 4.125%
HK$13,153
baseline
▲ 0.50% · 4.625%
HK$13,953
+HK$800/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,306/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$13,769
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,138
−HK$375/mo
Today · 4.125%
HK$14,513
baseline
▲ 0.50% · 4.625%
HK$15,278
+HK$765/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$29,026/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$15,913
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,408
−HK$503/mo
Today · 4.125%
HK$16,911
baseline
▲ 0.50% · 4.625%
HK$17,940
+HK$1,029/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$33,822/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$17,703
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,178
−HK$481/mo
Today · 4.125%
HK$18,659
baseline
▲ 0.50% · 4.625%
HK$19,643
+HK$984/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$37,318/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).