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$8,816
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,090
−HK$278/mo
Today · 4.125%
HK$9,368
baseline
▲ 0.50% · 4.625%
HK$9,938
+HK$570/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,736/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$9,807
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,070
−HK$267/mo
Today · 4.125%
HK$10,337
baseline
▲ 0.50% · 4.625%
HK$10,882
+HK$545/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,674/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$10,579
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,908
−HK$334/mo
Today · 4.125%
HK$11,242
baseline
▲ 0.50% · 4.625%
HK$11,926
+HK$684/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,484/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$11,769
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,084
−HK$320/mo
Today · 4.125%
HK$12,404
baseline
▲ 0.50% · 4.625%
HK$13,058
+HK$654/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,808/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$12,342
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,726
−HK$390/mo
Today · 4.125%
HK$13,116
baseline
▲ 0.50% · 4.625%
HK$13,914
+HK$798/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,232/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$13,730
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,098
−HK$374/mo
Today · 4.125%
HK$14,472
baseline
▲ 0.50% · 4.625%
HK$15,235
+HK$763/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,944/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$15,868
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,362
−HK$501/mo
Today · 4.125%
HK$16,863
baseline
▲ 0.50% · 4.625%
HK$17,889
+HK$1,026/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$33,726/mo (50% DSR)
Upfront cash ≈ HK$387K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,653
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,126
−HK$481/mo
Today · 4.125%
HK$18,607
baseline
▲ 0.50% · 4.625%
HK$19,587
+HK$980/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$37,214/mo (50% DSR)
Upfront cash ≈ HK$387K (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).