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$8,831
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,106
−HK$279/mo
Today · 4.125%
HK$9,385
baseline
▲ 0.50% · 4.625%
HK$9,956
+HK$571/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,770/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$9,825
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,088
−HK$267/mo
Today · 4.125%
HK$10,355
baseline
▲ 0.50% · 4.625%
HK$10,901
+HK$546/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,710/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$10,597
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,927
−HK$335/mo
Today · 4.125%
HK$11,262
baseline
▲ 0.50% · 4.625%
HK$11,947
+HK$685/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,524/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$11,790
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,106
−HK$320/mo
Today · 4.125%
HK$12,426
baseline
▲ 0.50% · 4.625%
HK$13,081
+HK$655/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,852/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$12,364
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,748
−HK$391/mo
Today · 4.125%
HK$13,139
baseline
▲ 0.50% · 4.625%
HK$13,938
+HK$799/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,278/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$13,754
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,123
−HK$375/mo
Today · 4.125%
HK$14,498
baseline
▲ 0.50% · 4.625%
HK$15,262
+HK$764/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,996/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$15,896
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,391
−HK$502/mo
Today · 4.125%
HK$16,893
baseline
▲ 0.50% · 4.625%
HK$17,921
+HK$1,028/mo
Deposit HK$387K · loan HK$3.49M · min. income ≈ HK$33,786/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$17,684
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,159
−HK$481/mo
Today · 4.125%
HK$18,640
baseline
▲ 0.50% · 4.625%
HK$19,622
+HK$982/mo
Deposit HK$387K · loan HK$3.49M · min. income ≈ HK$37,280/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).