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$8,844
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,119
−HK$279/mo
Today · 4.125%
HK$9,398
baseline
▲ 0.50% · 4.625%
HK$9,970
+HK$572/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,796/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$9,839
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,103
−HK$267/mo
Today · 4.125%
HK$10,370
baseline
▲ 0.50% · 4.625%
HK$10,917
+HK$547/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,740/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$10,613
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,943
−HK$335/mo
Today · 4.125%
HK$11,278
baseline
▲ 0.50% · 4.625%
HK$11,964
+HK$686/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,556/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$11,806
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,123
−HK$321/mo
Today · 4.125%
HK$12,444
baseline
▲ 0.50% · 4.625%
HK$13,100
+HK$656/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,888/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$12,381
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,766
−HK$392/mo
Today · 4.125%
HK$13,158
baseline
▲ 0.50% · 4.625%
HK$13,958
+HK$800/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,316/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$13,774
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,144
−HK$374/mo
Today · 4.125%
HK$14,518
baseline
▲ 0.50% · 4.625%
HK$15,284
+HK$766/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$29,036/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$15,919
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,414
−HK$503/mo
Today · 4.125%
HK$16,917
baseline
▲ 0.50% · 4.625%
HK$17,946
+HK$1,029/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$33,834/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$17,710
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,185
−HK$481/mo
Today · 4.125%
HK$18,666
baseline
▲ 0.50% · 4.625%
HK$19,650
+HK$984/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$37,332/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).