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$8,828
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,102
−HK$279/mo
Today · 4.125%
HK$9,381
baseline
▲ 0.50% · 4.625%
HK$9,952
+HK$571/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,762/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$9,821
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,084
−HK$267/mo
Today · 4.125%
HK$10,351
baseline
▲ 0.50% · 4.625%
HK$10,897
+HK$546/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,702/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$10,593
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,923
−HK$334/mo
Today · 4.125%
HK$11,257
baseline
▲ 0.50% · 4.625%
HK$11,942
+HK$685/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,514/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$11,785
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,101
−HK$320/mo
Today · 4.125%
HK$12,421
baseline
▲ 0.50% · 4.625%
HK$13,076
+HK$655/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,842/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$12,359
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,743
−HK$391/mo
Today · 4.125%
HK$13,134
baseline
▲ 0.50% · 4.625%
HK$13,933
+HK$799/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,268/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$13,749
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,118
−HK$374/mo
Today · 4.125%
HK$14,492
baseline
▲ 0.50% · 4.625%
HK$15,256
+HK$764/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,984/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$15,890
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,384
−HK$502/mo
Today · 4.125%
HK$16,886
baseline
▲ 0.50% · 4.625%
HK$17,914
+HK$1,028/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$33,772/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$17,677
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,151
−HK$481/mo
Today · 4.125%
HK$18,632
baseline
▲ 0.50% · 4.625%
HK$19,614
+HK$982/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$37,264/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).