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$8,809
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,083
−HK$279/mo
Today · 4.125%
HK$9,362
baseline
▲ 0.50% · 4.625%
HK$9,931
+HK$569/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,724/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$9,800
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,063
−HK$267/mo
Today · 4.125%
HK$10,330
baseline
▲ 0.50% · 4.625%
HK$10,874
+HK$544/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,660/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$10,571
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,900
−HK$334/mo
Today · 4.125%
HK$11,234
baseline
▲ 0.50% · 4.625%
HK$11,918
+HK$684/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,468/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$11,760
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,076
−HK$320/mo
Today · 4.125%
HK$12,396
baseline
▲ 0.50% · 4.625%
HK$13,049
+HK$653/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,792/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$12,333
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,717
−HK$389/mo
Today · 4.125%
HK$13,106
baseline
▲ 0.50% · 4.625%
HK$13,904
+HK$798/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,212/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$13,720
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,088
−HK$373/mo
Today · 4.125%
HK$14,461
baseline
▲ 0.50% · 4.625%
HK$15,224
+HK$763/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,922/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$15,857
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,350
−HK$501/mo
Today · 4.125%
HK$16,851
baseline
▲ 0.50% · 4.625%
HK$17,876
+HK$1,025/mo
Deposit HK$386K · loan HK$3.48M · min. income ≈ HK$33,702/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$17,640
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,113
−HK$480/mo
Today · 4.125%
HK$18,593
baseline
▲ 0.50% · 4.625%
HK$19,573
+HK$980/mo
Deposit HK$386K · loan HK$3.48M · min. income ≈ HK$37,186/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).