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$8,814
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,088
−HK$279/mo
Today · 4.125%
HK$9,367
baseline
▲ 0.50% · 4.625%
HK$9,937
+HK$570/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,734/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$9,805
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,068
−HK$267/mo
Today · 4.125%
HK$10,335
baseline
▲ 0.50% · 4.625%
HK$10,880
+HK$545/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,670/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$10,577
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,906
−HK$334/mo
Today · 4.125%
HK$11,240
baseline
▲ 0.50% · 4.625%
HK$11,924
+HK$684/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,480/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$11,766
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,082
−HK$320/mo
Today · 4.125%
HK$12,402
baseline
▲ 0.50% · 4.625%
HK$13,056
+HK$654/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,804/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$12,339
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,723
−HK$390/mo
Today · 4.125%
HK$13,113
baseline
▲ 0.50% · 4.625%
HK$13,911
+HK$798/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,226/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$13,728
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,096
−HK$373/mo
Today · 4.125%
HK$14,469
baseline
▲ 0.50% · 4.625%
HK$15,232
+HK$763/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,938/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$15,865
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,359
−HK$501/mo
Today · 4.125%
HK$16,860
baseline
▲ 0.50% · 4.625%
HK$17,886
+HK$1,026/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$33,720/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$17,650
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,123
−HK$480/mo
Today · 4.125%
HK$18,603
baseline
▲ 0.50% · 4.625%
HK$19,584
+HK$981/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$37,206/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).