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$8,856
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,132
−HK$280/mo
Today · 4.125%
HK$9,412
baseline
▲ 0.50% · 4.625%
HK$9,984
+HK$572/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,824/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$9,853
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,117
−HK$268/mo
Today · 4.125%
HK$10,385
baseline
▲ 0.50% · 4.625%
HK$10,932
+HK$547/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,770/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$10,628
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,958
−HK$336/mo
Today · 4.125%
HK$11,294
baseline
▲ 0.50% · 4.625%
HK$11,981
+HK$687/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,588/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$11,823
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,140
−HK$322/mo
Today · 4.125%
HK$12,462
baseline
▲ 0.50% · 4.625%
HK$13,119
+HK$657/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,924/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$12,399
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,785
−HK$391/mo
Today · 4.125%
HK$13,176
baseline
▲ 0.50% · 4.625%
HK$13,978
+HK$802/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$26,352/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$13,794
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,164
−HK$375/mo
Today · 4.125%
HK$14,539
baseline
▲ 0.50% · 4.625%
HK$15,305
+HK$766/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$29,078/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$15,942
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,437
−HK$504/mo
Today · 4.125%
HK$16,941
baseline
▲ 0.50% · 4.625%
HK$17,972
+HK$1,031/mo
Deposit HK$388K · loan HK$3.50M · min. income ≈ HK$33,882/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,735
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,210
−HK$483/mo
Today · 4.125%
HK$18,693
baseline
▲ 0.50% · 4.625%
HK$19,678
+HK$985/mo
Deposit HK$388K · loan HK$3.50M · min. income ≈ HK$37,386/mo (50% DSR)
Upfront cash ≈ HK$388K (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).