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$8,841
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,116
−HK$280/mo
Today · 4.125%
HK$9,396
baseline
▲ 0.50% · 4.625%
HK$9,967
+HK$571/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,792/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$9,836
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,100
−HK$267/mo
Today · 4.125%
HK$10,367
baseline
▲ 0.50% · 4.625%
HK$10,914
+HK$547/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,734/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$10,610
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,940
−HK$335/mo
Today · 4.125%
HK$11,275
baseline
▲ 0.50% · 4.625%
HK$11,961
+HK$686/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,550/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$11,803
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,120
−HK$321/mo
Today · 4.125%
HK$12,441
baseline
▲ 0.50% · 4.625%
HK$13,097
+HK$656/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,882/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$12,378
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,763
−HK$391/mo
Today · 4.125%
HK$13,154
baseline
▲ 0.50% · 4.625%
HK$13,954
+HK$800/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,308/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$13,770
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,140
−HK$374/mo
Today · 4.125%
HK$14,514
baseline
▲ 0.50% · 4.625%
HK$15,279
+HK$765/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$29,028/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$15,914
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,409
−HK$503/mo
Today · 4.125%
HK$16,912
baseline
▲ 0.50% · 4.625%
HK$17,941
+HK$1,029/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$33,824/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$17,705
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,179
−HK$482/mo
Today · 4.125%
HK$18,661
baseline
▲ 0.50% · 4.625%
HK$19,645
+HK$984/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$37,322/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).