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$8,845
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,120
−HK$280/mo
Today · 4.125%
HK$9,400
baseline
▲ 0.50% · 4.625%
HK$9,972
+HK$572/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,800/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$9,840
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,104
−HK$268/mo
Today · 4.125%
HK$10,372
baseline
▲ 0.50% · 4.625%
HK$10,919
+HK$547/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,744/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$10,614
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,945
−HK$335/mo
Today · 4.125%
HK$11,280
baseline
▲ 0.50% · 4.625%
HK$11,966
+HK$686/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,560/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$11,808
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,125
−HK$321/mo
Today · 4.125%
HK$12,446
baseline
▲ 0.50% · 4.625%
HK$13,102
+HK$656/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,892/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$12,383
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,769
−HK$391/mo
Today · 4.125%
HK$13,160
baseline
▲ 0.50% · 4.625%
HK$13,961
+HK$801/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$26,320/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$13,776
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,146
−HK$375/mo
Today · 4.125%
HK$14,521
baseline
▲ 0.50% · 4.625%
HK$15,286
+HK$765/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$29,042/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$15,922
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,417
−HK$503/mo
Today · 4.125%
HK$16,920
baseline
▲ 0.50% · 4.625%
HK$17,950
+HK$1,030/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$33,840/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$17,713
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,188
−HK$482/mo
Today · 4.125%
HK$18,670
baseline
▲ 0.50% · 4.625%
HK$19,654
+HK$984/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$37,340/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).