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$8,797
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,071
−HK$278/mo
Today · 4.125%
HK$9,349
baseline
▲ 0.50% · 4.625%
HK$9,918
+HK$569/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,698/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$9,787
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,049
−HK$266/mo
Today · 4.125%
HK$10,315
baseline
▲ 0.50% · 4.625%
HK$10,859
+HK$544/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,630/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$10,556
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,885
−HK$333/mo
Today · 4.125%
HK$11,218
baseline
▲ 0.50% · 4.625%
HK$11,901
+HK$683/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,436/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$11,744
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,059
−HK$319/mo
Today · 4.125%
HK$12,378
baseline
▲ 0.50% · 4.625%
HK$13,031
+HK$653/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,756/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$12,316
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,699
−HK$389/mo
Today · 4.125%
HK$13,088
baseline
▲ 0.50% · 4.625%
HK$13,885
+HK$797/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,176/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$13,701
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,069
−HK$372/mo
Today · 4.125%
HK$14,441
baseline
▲ 0.50% · 4.625%
HK$15,203
+HK$762/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,882/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$15,835
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,327
−HK$501/mo
Today · 4.125%
HK$16,828
baseline
▲ 0.50% · 4.625%
HK$17,852
+HK$1,024/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$33,656/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$17,616
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,088
−HK$480/mo
Today · 4.125%
HK$18,568
baseline
▲ 0.50% · 4.625%
HK$19,546
+HK$978/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$37,136/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).