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$8,817
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,091
−HK$279/mo
Today · 4.125%
HK$9,370
baseline
▲ 0.50% · 4.625%
HK$9,940
+HK$570/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,740/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$9,809
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,072
−HK$267/mo
Today · 4.125%
HK$10,339
baseline
▲ 0.50% · 4.625%
HK$10,884
+HK$545/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,678/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$10,580
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,909
−HK$335/mo
Today · 4.125%
HK$11,244
baseline
▲ 0.50% · 4.625%
HK$11,928
+HK$684/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,488/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$11,770
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,086
−HK$320/mo
Today · 4.125%
HK$12,406
baseline
▲ 0.50% · 4.625%
HK$13,060
+HK$654/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,812/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$12,344
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,728
−HK$390/mo
Today · 4.125%
HK$13,118
baseline
▲ 0.50% · 4.625%
HK$13,916
+HK$798/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,236/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$13,732
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,100
−HK$374/mo
Today · 4.125%
HK$14,474
baseline
▲ 0.50% · 4.625%
HK$15,237
+HK$763/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,948/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$15,870
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,364
−HK$502/mo
Today · 4.125%
HK$16,866
baseline
▲ 0.50% · 4.625%
HK$17,892
+HK$1,026/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$33,732/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$17,656
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,129
−HK$480/mo
Today · 4.125%
HK$18,609
baseline
▲ 0.50% · 4.625%
HK$19,590
+HK$981/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$37,218/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).