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$8,825
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,099
−HK$279/mo
Today · 4.125%
HK$9,378
baseline
▲ 0.50% · 4.625%
HK$9,949
+HK$571/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,756/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$9,818
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,081
−HK$267/mo
Today · 4.125%
HK$10,348
baseline
▲ 0.50% · 4.625%
HK$10,894
+HK$546/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,696/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$10,590
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,919
−HK$335/mo
Today · 4.125%
HK$11,254
baseline
▲ 0.50% · 4.625%
HK$11,939
+HK$685/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,508/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$11,781
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,097
−HK$321/mo
Today · 4.125%
HK$12,418
baseline
▲ 0.50% · 4.625%
HK$13,072
+HK$654/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,836/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$12,355
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,739
−HK$391/mo
Today · 4.125%
HK$13,130
baseline
▲ 0.50% · 4.625%
HK$13,929
+HK$799/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,260/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$13,745
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,113
−HK$374/mo
Today · 4.125%
HK$14,487
baseline
▲ 0.50% · 4.625%
HK$15,251
+HK$764/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,974/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$15,885
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,379
−HK$502/mo
Today · 4.125%
HK$16,881
baseline
▲ 0.50% · 4.625%
HK$17,908
+HK$1,027/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$33,762/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$17,672
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,146
−HK$481/mo
Today · 4.125%
HK$18,627
baseline
▲ 0.50% · 4.625%
HK$19,608
+HK$981/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$37,254/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).