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$8,861
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,137
−HK$280/mo
Today · 4.125%
HK$9,417
baseline
▲ 0.50% · 4.625%
HK$9,990
+HK$573/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,834/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$9,858
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,122
−HK$269/mo
Today · 4.125%
HK$10,391
baseline
▲ 0.50% · 4.625%
HK$10,938
+HK$547/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,782/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$10,633
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,964
−HK$336/mo
Today · 4.125%
HK$11,300
baseline
▲ 0.50% · 4.625%
HK$11,988
+HK$688/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,600/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$11,830
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,147
−HK$322/mo
Today · 4.125%
HK$12,469
baseline
▲ 0.50% · 4.625%
HK$13,126
+HK$657/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,938/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$12,406
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,792
−HK$392/mo
Today · 4.125%
HK$13,184
baseline
▲ 0.50% · 4.625%
HK$13,986
+HK$802/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$26,368/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$13,801
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,171
−HK$376/mo
Today · 4.125%
HK$14,547
baseline
▲ 0.50% · 4.625%
HK$15,314
+HK$767/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$29,094/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$15,950
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,446
−HK$504/mo
Today · 4.125%
HK$16,950
baseline
▲ 0.50% · 4.625%
HK$17,982
+HK$1,032/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$33,900/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$17,744
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,220
−HK$483/mo
Today · 4.125%
HK$18,703
baseline
▲ 0.50% · 4.625%
HK$19,689
+HK$986/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,406/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).