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$8,791
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,064
−HK$278/mo
Today · 4.125%
HK$9,342
baseline
▲ 0.50% · 4.625%
HK$9,911
+HK$569/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,684/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$9,780
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,042
−HK$266/mo
Today · 4.125%
HK$10,308
baseline
▲ 0.50% · 4.625%
HK$10,851
+HK$543/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,616/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$10,549
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,877
−HK$334/mo
Today · 4.125%
HK$11,211
baseline
▲ 0.50% · 4.625%
HK$11,893
+HK$682/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,422/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,736
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,050
−HK$320/mo
Today · 4.125%
HK$12,370
baseline
▲ 0.50% · 4.625%
HK$13,022
+HK$652/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,740/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,307
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,690
−HK$389/mo
Today · 4.125%
HK$13,079
baseline
▲ 0.50% · 4.625%
HK$13,875
+HK$796/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,158/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$13,692
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,059
−HK$372/mo
Today · 4.125%
HK$14,431
baseline
▲ 0.50% · 4.625%
HK$15,192
+HK$761/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,862/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$15,824
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,316
−HK$500/mo
Today · 4.125%
HK$16,816
baseline
▲ 0.50% · 4.625%
HK$17,839
+HK$1,023/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$33,632/mo (50% DSR)
Upfront cash ≈ HK$386K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,604
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,076
−HK$479/mo
Today · 4.125%
HK$18,555
baseline
▲ 0.50% · 4.625%
HK$19,533
+HK$978/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$37,110/mo (50% DSR)
Upfront cash ≈ HK$386K (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).