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$554/mo
▼ 0.25% · 3.875%
HK$9,115
−HK$279/mo
Today · 4.125%
HK$9,394
baseline
▲ 0.50% · 4.625%
HK$9,966
+HK$572/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,788/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$9,834
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,098
−HK$268/mo
Today · 4.125%
HK$10,366
baseline
▲ 0.50% · 4.625%
HK$10,912
+HK$546/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$665/mo
▼ 0.25% · 3.875%
HK$10,938
−HK$335/mo
Today · 4.125%
HK$11,273
baseline
▲ 0.50% · 4.625%
HK$11,959
+HK$686/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,546/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$11,801
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,118
−HK$321/mo
Today · 4.125%
HK$12,439
baseline
▲ 0.50% · 4.625%
HK$13,094
+HK$655/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$12,376
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,761
−HK$391/mo
Today · 4.125%
HK$13,152
baseline
▲ 0.50% · 4.625%
HK$13,952
+HK$800/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,304/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$13,768
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,137
−HK$375/mo
Today · 4.125%
HK$14,512
baseline
▲ 0.50% · 4.625%
HK$15,277
+HK$765/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$29,024/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$15,912
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,407
−HK$503/mo
Today · 4.125%
HK$16,910
baseline
▲ 0.50% · 4.625%
HK$17,938
+HK$1,028/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$33,820/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$17,702
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,176
−HK$482/mo
Today · 4.125%
HK$18,658
baseline
▲ 0.50% · 4.625%
HK$19,641
+HK$983/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$37,316/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).