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$8,816
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,091
−HK$278/mo
Today · 4.125%
HK$9,369
baseline
▲ 0.50% · 4.625%
HK$9,939
+HK$570/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,738/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$9,808
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,071
−HK$267/mo
Today · 4.125%
HK$10,338
baseline
▲ 0.50% · 4.625%
HK$10,883
+HK$545/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,676/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$10,580
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,909
−HK$334/mo
Today · 4.125%
HK$11,243
baseline
▲ 0.50% · 4.625%
HK$11,927
+HK$684/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,486/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$11,770
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,085
−HK$321/mo
Today · 4.125%
HK$12,406
baseline
▲ 0.50% · 4.625%
HK$13,059
+HK$653/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,812/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$12,343
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,727
−HK$390/mo
Today · 4.125%
HK$13,117
baseline
▲ 0.50% · 4.625%
HK$13,915
+HK$798/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,234/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$13,731
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,100
−HK$373/mo
Today · 4.125%
HK$14,473
baseline
▲ 0.50% · 4.625%
HK$15,236
+HK$763/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,946/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$15,869
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,363
−HK$501/mo
Today · 4.125%
HK$16,864
baseline
▲ 0.50% · 4.625%
HK$17,891
+HK$1,027/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$33,728/mo (50% DSR)
Upfront cash ≈ HK$387K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,654
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,128
−HK$480/mo
Today · 4.125%
HK$18,608
baseline
▲ 0.50% · 4.625%
HK$19,589
+HK$981/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$37,216/mo (50% DSR)
Upfront cash ≈ HK$387K (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).