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$8,803
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,077
−HK$279/mo
Today · 4.125%
HK$9,356
baseline
▲ 0.50% · 4.625%
HK$9,925
+HK$569/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,712/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$9,794
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,056
−HK$267/mo
Today · 4.125%
HK$10,323
baseline
▲ 0.50% · 4.625%
HK$10,867
+HK$544/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,646/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$10,564
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,893
−HK$334/mo
Today · 4.125%
HK$11,227
baseline
▲ 0.50% · 4.625%
HK$11,910
+HK$683/mo
Deposit HK$1.54M · loan HK$2.32M · min. income ≈ HK$22,454/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$11,753
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,068
−HK$319/mo
Today · 4.125%
HK$12,387
baseline
▲ 0.50% · 4.625%
HK$13,040
+HK$653/mo
Deposit HK$1.54M · loan HK$2.32M · min. income ≈ HK$24,774/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$12,325
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,708
−HK$390/mo
Today · 4.125%
HK$13,098
baseline
▲ 0.50% · 4.625%
HK$13,895
+HK$797/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,196/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$13,711
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,079
−HK$373/mo
Today · 4.125%
HK$14,452
baseline
▲ 0.50% · 4.625%
HK$15,214
+HK$762/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,904/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$15,846
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,339
−HK$501/mo
Today · 4.125%
HK$16,840
baseline
▲ 0.50% · 4.625%
HK$17,865
+HK$1,025/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$33,680/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$17,629
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,102
−HK$479/mo
Today · 4.125%
HK$18,581
baseline
▲ 0.50% · 4.625%
HK$19,561
+HK$980/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$37,162/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).