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$8,854
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,130
−HK$279/mo
Today · 4.125%
HK$9,409
baseline
▲ 0.50% · 4.625%
HK$9,982
+HK$573/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,818/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$9,850
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,114
−HK$268/mo
Today · 4.125%
HK$10,382
baseline
▲ 0.50% · 4.625%
HK$10,930
+HK$548/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,764/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$10,625
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,956
−HK$335/mo
Today · 4.125%
HK$11,291
baseline
▲ 0.50% · 4.625%
HK$11,978
+HK$687/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,582/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$11,820
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,137
−HK$322/mo
Today · 4.125%
HK$12,459
baseline
▲ 0.50% · 4.625%
HK$13,116
+HK$657/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,918/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$12,396
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,781
−HK$392/mo
Today · 4.125%
HK$13,173
baseline
▲ 0.50% · 4.625%
HK$13,975
+HK$802/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$26,346/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$13,790
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,160
−HK$375/mo
Today · 4.125%
HK$14,535
baseline
▲ 0.50% · 4.625%
HK$15,302
+HK$767/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$29,070/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$15,938
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,433
−HK$504/mo
Today · 4.125%
HK$16,937
baseline
▲ 0.50% · 4.625%
HK$17,968
+HK$1,031/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$33,874/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$17,730
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,206
−HK$482/mo
Today · 4.125%
HK$18,688
baseline
▲ 0.50% · 4.625%
HK$19,673
+HK$985/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$37,376/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).