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$8,859
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,134
−HK$280/mo
Today · 4.125%
HK$9,414
baseline
▲ 0.50% · 4.625%
HK$9,987
+HK$573/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,828/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$9,855
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,120
−HK$268/mo
Today · 4.125%
HK$10,388
baseline
▲ 0.50% · 4.625%
HK$10,935
+HK$547/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,776/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$10,631
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,961
−HK$336/mo
Today · 4.125%
HK$11,297
baseline
▲ 0.50% · 4.625%
HK$11,985
+HK$688/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,594/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$11,826
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,144
−HK$321/mo
Today · 4.125%
HK$12,465
baseline
▲ 0.50% · 4.625%
HK$13,122
+HK$657/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,930/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$12,402
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,788
−HK$392/mo
Today · 4.125%
HK$13,180
baseline
▲ 0.50% · 4.625%
HK$13,982
+HK$802/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$26,360/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,797
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,167
−HK$376/mo
Today · 4.125%
HK$14,543
baseline
▲ 0.50% · 4.625%
HK$15,309
+HK$766/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$29,086/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,946
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,442
−HK$504/mo
Today · 4.125%
HK$16,946
baseline
▲ 0.50% · 4.625%
HK$17,977
+HK$1,031/mo
Deposit HK$388K · loan HK$3.50M · min. income ≈ HK$33,892/mo (50% DSR)
Upfront cash ≈ HK$389K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,740
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,215
−HK$483/mo
Today · 4.125%
HK$18,698
baseline
▲ 0.50% · 4.625%
HK$19,684
+HK$986/mo
Deposit HK$388K · loan HK$3.50M · min. income ≈ HK$37,396/mo (50% DSR)
Upfront cash ≈ HK$389K (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).