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$8,807
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,081
−HK$279/mo
Today · 4.125%
HK$9,360
baseline
▲ 0.50% · 4.625%
HK$9,929
+HK$569/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,720/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$9,798
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,061
−HK$266/mo
Today · 4.125%
HK$10,327
baseline
▲ 0.50% · 4.625%
HK$10,872
+HK$545/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,654/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$10,569
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,898
−HK$334/mo
Today · 4.125%
HK$11,232
baseline
▲ 0.50% · 4.625%
HK$11,915
+HK$683/mo
Deposit HK$1.54M · loan HK$2.32M · min. income ≈ HK$22,464/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$11,758
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,073
−HK$320/mo
Today · 4.125%
HK$12,393
baseline
▲ 0.50% · 4.625%
HK$13,046
+HK$653/mo
Deposit HK$1.54M · loan HK$2.32M · min. income ≈ HK$24,786/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$12,330
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,714
−HK$390/mo
Today · 4.125%
HK$13,104
baseline
▲ 0.50% · 4.625%
HK$13,901
+HK$797/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,208/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$13,717
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,085
−HK$373/mo
Today · 4.125%
HK$14,458
baseline
▲ 0.50% · 4.625%
HK$15,221
+HK$763/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,916/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$15,853
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,346
−HK$501/mo
Today · 4.125%
HK$16,847
baseline
▲ 0.50% · 4.625%
HK$17,873
+HK$1,026/mo
Deposit HK$386K · loan HK$3.48M · min. income ≈ HK$33,694/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$17,637
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,110
−HK$479/mo
Today · 4.125%
HK$18,589
baseline
▲ 0.50% · 4.625%
HK$19,569
+HK$980/mo
Deposit HK$386K · loan HK$3.48M · min. income ≈ HK$37,178/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).