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$8,813
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,087
−HK$279/mo
Today · 4.125%
HK$9,366
baseline
▲ 0.50% · 4.625%
HK$9,936
+HK$570/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,732/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$9,805
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,068
−HK$266/mo
Today · 4.125%
HK$10,334
baseline
▲ 0.50% · 4.625%
HK$10,879
+HK$545/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,668/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$10,576
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,905
−HK$334/mo
Today · 4.125%
HK$11,239
baseline
▲ 0.50% · 4.625%
HK$11,923
+HK$684/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,478/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$11,766
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,081
−HK$320/mo
Today · 4.125%
HK$12,401
baseline
▲ 0.50% · 4.625%
HK$13,055
+HK$654/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,802/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$12,339
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,722
−HK$390/mo
Today · 4.125%
HK$13,112
baseline
▲ 0.50% · 4.625%
HK$13,910
+HK$798/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,224/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$13,727
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,095
−HK$373/mo
Today · 4.125%
HK$14,468
baseline
▲ 0.50% · 4.625%
HK$15,231
+HK$763/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,936/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$15,864
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,357
−HK$502/mo
Today · 4.125%
HK$16,859
baseline
▲ 0.50% · 4.625%
HK$17,884
+HK$1,025/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$33,718/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$17,648
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,122
−HK$480/mo
Today · 4.125%
HK$18,602
baseline
▲ 0.50% · 4.625%
HK$19,582
+HK$980/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$37,204/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).