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$8,870
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,146
−HK$280/mo
Today · 4.125%
HK$9,426
baseline
▲ 0.50% · 4.625%
HK$10,000
+HK$574/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,852/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,868
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,132
−HK$269/mo
Today · 4.125%
HK$10,401
baseline
▲ 0.50% · 4.625%
HK$10,949
+HK$548/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,802/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,644
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,975
−HK$336/mo
Today · 4.125%
HK$11,311
baseline
▲ 0.50% · 4.625%
HK$12,000
+HK$689/mo
Deposit HK$1.56M · loan HK$2.33M · min. income ≈ HK$22,622/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,841
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,159
−HK$322/mo
Today · 4.125%
HK$12,481
baseline
▲ 0.50% · 4.625%
HK$13,139
+HK$658/mo
Deposit HK$1.56M · loan HK$2.33M · min. income ≈ HK$24,962/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,418
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,804
−HK$393/mo
Today · 4.125%
HK$13,197
baseline
▲ 0.50% · 4.625%
HK$14,000
+HK$803/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$26,394/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,815
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,185
−HK$376/mo
Today · 4.125%
HK$14,561
baseline
▲ 0.50% · 4.625%
HK$15,329
+HK$768/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$29,122/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,966
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,463
−HK$504/mo
Today · 4.125%
HK$16,967
baseline
▲ 0.50% · 4.625%
HK$18,000
+HK$1,033/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$33,934/mo (50% DSR)
Upfront cash ≈ HK$389K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,762
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,238
−HK$484/mo
Today · 4.125%
HK$18,722
baseline
▲ 0.50% · 4.625%
HK$19,708
+HK$986/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,444/mo (50% DSR)
Upfront cash ≈ HK$389K (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).