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$553/mo
▼ 0.25% · 3.875%
HK$9,105
−HK$279/mo
Today · 4.125%
HK$9,384
baseline
▲ 0.50% · 4.625%
HK$9,955
+HK$571/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,768/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$9,824
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,087
−HK$268/mo
Today · 4.125%
HK$10,355
baseline
▲ 0.50% · 4.625%
HK$10,900
+HK$545/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$664/mo
▼ 0.25% · 3.875%
HK$10,926
−HK$335/mo
Today · 4.125%
HK$11,261
baseline
▲ 0.50% · 4.625%
HK$11,946
+HK$685/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,522/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$11,789
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,105
−HK$321/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$12,363
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,747
−HK$391/mo
Today · 4.125%
HK$13,138
baseline
▲ 0.50% · 4.625%
HK$13,937
+HK$799/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,276/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$13,753
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,122
−HK$374/mo
Today · 4.125%
HK$14,496
baseline
▲ 0.50% · 4.625%
HK$15,261
+HK$765/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,992/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$15,895
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,389
−HK$503/mo
Today · 4.125%
HK$16,892
baseline
▲ 0.50% · 4.625%
HK$17,920
+HK$1,028/mo
Deposit HK$387K · loan HK$3.49M · min. income ≈ HK$33,784/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$17,683
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,157
−HK$481/mo
Today · 4.125%
HK$18,638
baseline
▲ 0.50% · 4.625%
HK$19,621
+HK$983/mo
Deposit HK$387K · loan HK$3.49M · min. income ≈ HK$37,276/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).