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$8,862
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,137
−HK$280/mo
Today · 4.125%
HK$9,417
baseline
▲ 0.50% · 4.625%
HK$9,991
+HK$574/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,834/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$9,859
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,123
−HK$268/mo
Today · 4.125%
HK$10,391
baseline
▲ 0.50% · 4.625%
HK$10,939
+HK$548/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,782/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$10,634
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,965
−HK$336/mo
Today · 4.125%
HK$11,301
baseline
▲ 0.50% · 4.625%
HK$11,989
+HK$688/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,602/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$11,830
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,148
−HK$322/mo
Today · 4.125%
HK$12,470
baseline
▲ 0.50% · 4.625%
HK$13,127
+HK$657/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,940/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$12,406
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,792
−HK$392/mo
Today · 4.125%
HK$13,184
baseline
▲ 0.50% · 4.625%
HK$13,987
+HK$803/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$26,368/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$13,802
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,172
−HK$376/mo
Today · 4.125%
HK$14,548
baseline
▲ 0.50% · 4.625%
HK$15,315
+HK$767/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$29,096/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$15,951
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,447
−HK$504/mo
Today · 4.125%
HK$16,951
baseline
▲ 0.50% · 4.625%
HK$17,983
+HK$1,032/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$33,902/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$17,746
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,221
−HK$483/mo
Today · 4.125%
HK$18,704
baseline
▲ 0.50% · 4.625%
HK$19,690
+HK$986/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,408/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).