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$8,836
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,111
−HK$279/mo
Today · 4.125%
HK$9,390
baseline
▲ 0.50% · 4.625%
HK$9,962
+HK$572/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,780/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$9,830
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,094
−HK$267/mo
Today · 4.125%
HK$10,361
baseline
▲ 0.50% · 4.625%
HK$10,908
+HK$547/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,722/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$10,604
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,933
−HK$336/mo
Today · 4.125%
HK$11,269
baseline
▲ 0.50% · 4.625%
HK$11,954
+HK$685/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,538/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$11,796
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,113
−HK$321/mo
Today · 4.125%
HK$12,434
baseline
▲ 0.50% · 4.625%
HK$13,089
+HK$655/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,868/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$12,371
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,756
−HK$391/mo
Today · 4.125%
HK$13,147
baseline
▲ 0.50% · 4.625%
HK$13,947
+HK$800/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,294/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$13,762
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,132
−HK$374/mo
Today · 4.125%
HK$14,506
baseline
▲ 0.50% · 4.625%
HK$15,271
+HK$765/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$29,012/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$15,905
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,400
−HK$503/mo
Today · 4.125%
HK$16,903
baseline
▲ 0.50% · 4.625%
HK$17,931
+HK$1,028/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$33,806/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$17,695
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,169
−HK$482/mo
Today · 4.125%
HK$18,651
baseline
▲ 0.50% · 4.625%
HK$19,634
+HK$983/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$37,302/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).