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$8,796
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,070
−HK$277/mo
Today · 4.125%
HK$9,347
baseline
▲ 0.50% · 4.625%
HK$9,916
+HK$569/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,694/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$9,785
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,048
−HK$266/mo
Today · 4.125%
HK$10,314
baseline
▲ 0.50% · 4.625%
HK$10,858
+HK$544/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,628/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$10,555
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,883
−HK$334/mo
Today · 4.125%
HK$11,217
baseline
▲ 0.50% · 4.625%
HK$11,900
+HK$683/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,434/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,742
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,057
−HK$320/mo
Today · 4.125%
HK$12,377
baseline
▲ 0.50% · 4.625%
HK$13,029
+HK$652/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,754/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,314
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,697
−HK$389/mo
Today · 4.125%
HK$13,086
baseline
▲ 0.50% · 4.625%
HK$13,883
+HK$797/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,172/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$13,699
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,067
−HK$373/mo
Today · 4.125%
HK$14,440
baseline
▲ 0.50% · 4.625%
HK$15,201
+HK$761/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,880/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$15,833
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,325
−HK$500/mo
Today · 4.125%
HK$16,825
baseline
▲ 0.50% · 4.625%
HK$17,849
+HK$1,024/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$33,650/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$17,614
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,086
−HK$479/mo
Today · 4.125%
HK$18,565
baseline
▲ 0.50% · 4.625%
HK$19,544
+HK$979/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$37,130/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).