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$8,837
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,112
−HK$279/mo
Today · 4.125%
HK$9,391
baseline
▲ 0.50% · 4.625%
HK$9,963
+HK$572/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,782/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$9,831
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,095
−HK$267/mo
Today · 4.125%
HK$10,362
baseline
▲ 0.50% · 4.625%
HK$10,909
+HK$547/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,724/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$10,605
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,934
−HK$336/mo
Today · 4.125%
HK$11,270
baseline
▲ 0.50% · 4.625%
HK$11,955
+HK$685/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,540/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$11,797
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,114
−HK$321/mo
Today · 4.125%
HK$12,435
baseline
▲ 0.50% · 4.625%
HK$13,090
+HK$655/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,870/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$12,372
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,757
−HK$391/mo
Today · 4.125%
HK$13,148
baseline
▲ 0.50% · 4.625%
HK$13,948
+HK$800/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,296/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$13,764
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,133
−HK$374/mo
Today · 4.125%
HK$14,507
baseline
▲ 0.50% · 4.625%
HK$15,272
+HK$765/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$29,014/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$15,907
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,402
−HK$502/mo
Today · 4.125%
HK$16,904
baseline
▲ 0.50% · 4.625%
HK$17,933
+HK$1,029/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$33,808/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$17,696
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,171
−HK$481/mo
Today · 4.125%
HK$18,652
baseline
▲ 0.50% · 4.625%
HK$19,635
+HK$983/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$37,304/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).