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$8,859
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,135
−HK$280/mo
Today · 4.125%
HK$9,415
baseline
▲ 0.50% · 4.625%
HK$9,987
+HK$572/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,830/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$9,856
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,120
−HK$268/mo
Today · 4.125%
HK$10,388
baseline
▲ 0.50% · 4.625%
HK$10,936
+HK$548/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,776/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$10,631
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,962
−HK$336/mo
Today · 4.125%
HK$11,298
baseline
▲ 0.50% · 4.625%
HK$11,985
+HK$687/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,596/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$11,827
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,144
−HK$322/mo
Today · 4.125%
HK$12,466
baseline
▲ 0.50% · 4.625%
HK$13,123
+HK$657/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,932/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$12,403
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,788
−HK$392/mo
Today · 4.125%
HK$13,180
baseline
▲ 0.50% · 4.625%
HK$13,982
+HK$802/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$26,360/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,798
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,168
−HK$375/mo
Today · 4.125%
HK$14,543
baseline
▲ 0.50% · 4.625%
HK$15,310
+HK$767/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$29,086/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,946
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,442
−HK$504/mo
Today · 4.125%
HK$16,946
baseline
▲ 0.50% · 4.625%
HK$17,977
+HK$1,031/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$33,892/mo (50% DSR)
Upfront cash ≈ HK$389K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,740
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,216
−HK$483/mo
Today · 4.125%
HK$18,699
baseline
▲ 0.50% · 4.625%
HK$19,684
+HK$985/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,398/mo (50% DSR)
Upfront cash ≈ HK$389K (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).