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$8,796
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,070
−HK$278/mo
Today · 4.125%
HK$9,348
baseline
▲ 0.50% · 4.625%
HK$9,917
+HK$569/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,696/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$9,786
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,048
−HK$267/mo
Today · 4.125%
HK$10,315
baseline
▲ 0.50% · 4.625%
HK$10,858
+HK$543/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,630/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$10,556
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,884
−HK$334/mo
Today · 4.125%
HK$11,218
baseline
▲ 0.50% · 4.625%
HK$11,900
+HK$682/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,436/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$11,743
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,058
−HK$319/mo
Today · 4.125%
HK$12,377
baseline
▲ 0.50% · 4.625%
HK$13,030
+HK$653/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,754/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$12,315
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,698
−HK$389/mo
Today · 4.125%
HK$13,087
baseline
▲ 0.50% · 4.625%
HK$13,883
+HK$796/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,174/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$13,700
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,068
−HK$372/mo
Today · 4.125%
HK$14,440
baseline
▲ 0.50% · 4.625%
HK$15,202
+HK$762/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,880/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$15,833
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,326
−HK$500/mo
Today · 4.125%
HK$16,826
baseline
▲ 0.50% · 4.625%
HK$17,850
+HK$1,024/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$33,652/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$17,615
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,087
−HK$479/mo
Today · 4.125%
HK$18,566
baseline
▲ 0.50% · 4.625%
HK$19,545
+HK$979/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$37,132/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).