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$8,818
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,093
−HK$278/mo
Today · 4.125%
HK$9,371
baseline
▲ 0.50% · 4.625%
HK$9,942
+HK$571/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,742/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$9,810
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,074
−HK$266/mo
Today · 4.125%
HK$10,340
baseline
▲ 0.50% · 4.625%
HK$10,885
+HK$545/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,680/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$10,582
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,911
−HK$335/mo
Today · 4.125%
HK$11,246
baseline
▲ 0.50% · 4.625%
HK$11,930
+HK$684/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,492/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$11,772
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,088
−HK$321/mo
Today · 4.125%
HK$12,409
baseline
▲ 0.50% · 4.625%
HK$13,063
+HK$654/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,818/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$12,346
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,730
−HK$390/mo
Today · 4.125%
HK$13,120
baseline
▲ 0.50% · 4.625%
HK$13,918
+HK$798/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,240/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$13,735
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,103
−HK$374/mo
Today · 4.125%
HK$14,477
baseline
▲ 0.50% · 4.625%
HK$15,240
+HK$763/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,954/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$15,873
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,367
−HK$502/mo
Today · 4.125%
HK$16,869
baseline
▲ 0.50% · 4.625%
HK$17,895
+HK$1,026/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$33,738/mo (50% DSR)
Upfront cash ≈ HK$387K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,659
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,132
−HK$481/mo
Today · 4.125%
HK$18,613
baseline
▲ 0.50% · 4.625%
HK$19,594
+HK$981/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$37,226/mo (50% DSR)
Upfront cash ≈ HK$387K (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).