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$8,798
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,072
−HK$278/mo
Today · 4.125%
HK$9,350
baseline
▲ 0.50% · 4.625%
HK$9,919
+HK$569/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,700/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$9,788
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,050
−HK$267/mo
Today · 4.125%
HK$10,317
baseline
▲ 0.50% · 4.625%
HK$10,860
+HK$543/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,634/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$10,558
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,886
−HK$334/mo
Today · 4.125%
HK$11,220
baseline
▲ 0.50% · 4.625%
HK$11,903
+HK$683/mo
Deposit HK$1.54M · loan HK$2.32M · min. income ≈ HK$22,440/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$11,745
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,060
−HK$320/mo
Today · 4.125%
HK$12,380
baseline
▲ 0.50% · 4.625%
HK$13,033
+HK$653/mo
Deposit HK$1.54M · loan HK$2.32M · min. income ≈ HK$24,760/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$12,317
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,701
−HK$389/mo
Today · 4.125%
HK$13,090
baseline
▲ 0.50% · 4.625%
HK$13,886
+HK$796/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,180/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$13,703
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,070
−HK$373/mo
Today · 4.125%
HK$14,443
baseline
▲ 0.50% · 4.625%
HK$15,205
+HK$762/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,886/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$15,837
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,329
−HK$501/mo
Today · 4.125%
HK$16,830
baseline
▲ 0.50% · 4.625%
HK$17,854
+HK$1,024/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$33,660/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$17,618
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,091
−HK$479/mo
Today · 4.125%
HK$18,570
baseline
▲ 0.50% · 4.625%
HK$19,549
+HK$979/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$37,140/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).