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$8,855
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,130
−HK$280/mo
Today · 4.125%
HK$9,410
baseline
▲ 0.50% · 4.625%
HK$9,982
+HK$572/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,820/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$9,851
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,115
−HK$268/mo
Today · 4.125%
HK$10,383
baseline
▲ 0.50% · 4.625%
HK$10,930
+HK$547/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,766/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$10,625
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,956
−HK$336/mo
Today · 4.125%
HK$11,292
baseline
▲ 0.50% · 4.625%
HK$11,979
+HK$687/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,584/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$11,821
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,138
−HK$321/mo
Today · 4.125%
HK$12,459
baseline
▲ 0.50% · 4.625%
HK$13,116
+HK$657/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,918/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$12,396
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,782
−HK$392/mo
Today · 4.125%
HK$13,174
baseline
▲ 0.50% · 4.625%
HK$13,975
+HK$801/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$26,348/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$13,791
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,161
−HK$375/mo
Today · 4.125%
HK$14,536
baseline
▲ 0.50% · 4.625%
HK$15,302
+HK$766/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$29,072/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$15,938
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,434
−HK$504/mo
Today · 4.125%
HK$16,938
baseline
▲ 0.50% · 4.625%
HK$17,968
+HK$1,030/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$33,876/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$17,731
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,207
−HK$482/mo
Today · 4.125%
HK$18,689
baseline
▲ 0.50% · 4.625%
HK$19,674
+HK$985/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$37,378/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).