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$8,856
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,131
−HK$280/mo
Today · 4.125%
HK$9,411
baseline
▲ 0.50% · 4.625%
HK$9,984
+HK$573/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,822/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$9,852
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,116
−HK$268/mo
Today · 4.125%
HK$10,384
baseline
▲ 0.50% · 4.625%
HK$10,932
+HK$548/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,768/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$10,627
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,957
−HK$336/mo
Today · 4.125%
HK$11,293
baseline
▲ 0.50% · 4.625%
HK$11,981
+HK$688/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,586/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$11,822
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,139
−HK$322/mo
Today · 4.125%
HK$12,461
baseline
▲ 0.50% · 4.625%
HK$13,118
+HK$657/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,922/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$12,398
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,784
−HK$392/mo
Today · 4.125%
HK$13,176
baseline
▲ 0.50% · 4.625%
HK$13,977
+HK$801/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$26,352/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$13,793
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,163
−HK$375/mo
Today · 4.125%
HK$14,538
baseline
▲ 0.50% · 4.625%
HK$15,304
+HK$766/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$29,076/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$15,940
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,436
−HK$504/mo
Today · 4.125%
HK$16,940
baseline
▲ 0.50% · 4.625%
HK$17,971
+HK$1,031/mo
Deposit HK$388K · loan HK$3.50M · min. income ≈ HK$33,880/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,734
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,209
−HK$483/mo
Today · 4.125%
HK$18,692
baseline
▲ 0.50% · 4.625%
HK$19,677
+HK$985/mo
Deposit HK$388K · loan HK$3.50M · min. income ≈ HK$37,384/mo (50% DSR)
Upfront cash ≈ HK$388K (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).