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$8,785
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,058
−HK$278/mo
Today · 4.125%
HK$9,336
baseline
▲ 0.50% · 4.625%
HK$9,904
+HK$568/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,672/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$9,773
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,035
−HK$266/mo
Today · 4.125%
HK$10,301
baseline
▲ 0.50% · 4.625%
HK$10,844
+HK$543/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,602/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$10,542
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,870
−HK$333/mo
Today · 4.125%
HK$11,203
baseline
▲ 0.50% · 4.625%
HK$11,885
+HK$682/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,406/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$11,728
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,042
−HK$320/mo
Today · 4.125%
HK$12,362
baseline
▲ 0.50% · 4.625%
HK$13,013
+HK$651/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,724/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$12,299
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,682
−HK$388/mo
Today · 4.125%
HK$13,070
baseline
▲ 0.50% · 4.625%
HK$13,866
+HK$796/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,140/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$13,683
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,050
−HK$372/mo
Today · 4.125%
HK$14,422
baseline
▲ 0.50% · 4.625%
HK$15,182
+HK$760/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,844/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$15,813
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,305
−HK$500/mo
Today · 4.125%
HK$16,805
baseline
▲ 0.50% · 4.625%
HK$17,827
+HK$1,022/mo
Deposit HK$385K · loan HK$3.47M · min. income ≈ HK$33,610/mo (50% DSR)
Upfront cash ≈ HK$385K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,592
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,064
−HK$478/mo
Today · 4.125%
HK$18,542
baseline
▲ 0.50% · 4.625%
HK$19,520
+HK$978/mo
Deposit HK$385K · loan HK$3.47M · min. income ≈ HK$37,084/mo (50% DSR)
Upfront cash ≈ HK$385K (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).