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$8,846
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,122
−HK$279/mo
Today · 4.125%
HK$9,401
baseline
▲ 0.50% · 4.625%
HK$9,973
+HK$572/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,802/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$9,842
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,105
−HK$268/mo
Today · 4.125%
HK$10,373
baseline
▲ 0.50% · 4.625%
HK$10,920
+HK$547/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,746/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$10,616
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,946
−HK$335/mo
Today · 4.125%
HK$11,281
baseline
▲ 0.50% · 4.625%
HK$11,968
+HK$687/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,562/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$11,810
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,127
−HK$321/mo
Today · 4.125%
HK$12,448
baseline
▲ 0.50% · 4.625%
HK$13,104
+HK$656/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,896/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$12,385
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,770
−HK$392/mo
Today · 4.125%
HK$13,162
baseline
▲ 0.50% · 4.625%
HK$13,962
+HK$800/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$26,324/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$13,778
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,148
−HK$375/mo
Today · 4.125%
HK$14,523
baseline
▲ 0.50% · 4.625%
HK$15,288
+HK$765/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$29,046/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$15,923
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,419
−HK$503/mo
Today · 4.125%
HK$16,922
baseline
▲ 0.50% · 4.625%
HK$17,952
+HK$1,030/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$33,844/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$17,715
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,190
−HK$482/mo
Today · 4.125%
HK$18,672
baseline
▲ 0.50% · 4.625%
HK$19,656
+HK$984/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$37,344/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).