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$8,792
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,065
−HK$278/mo
Today · 4.125%
HK$9,343
baseline
▲ 0.50% · 4.625%
HK$9,912
+HK$569/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,686/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,781
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,043
−HK$266/mo
Today · 4.125%
HK$10,309
baseline
▲ 0.50% · 4.625%
HK$10,853
+HK$544/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,618/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,550
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,879
−HK$333/mo
Today · 4.125%
HK$11,212
baseline
▲ 0.50% · 4.625%
HK$11,894
+HK$682/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,424/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,737
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,052
−HK$319/mo
Today · 4.125%
HK$12,371
baseline
▲ 0.50% · 4.625%
HK$13,023
+HK$652/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,742/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,309
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,692
−HK$389/mo
Today · 4.125%
HK$13,081
baseline
▲ 0.50% · 4.625%
HK$13,877
+HK$796/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,162/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$13,693
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,061
−HK$372/mo
Today · 4.125%
HK$14,433
baseline
▲ 0.50% · 4.625%
HK$15,194
+HK$761/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,866/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$15,826
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,318
−HK$500/mo
Today · 4.125%
HK$16,818
baseline
▲ 0.50% · 4.625%
HK$17,841
+HK$1,023/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$33,636/mo (50% DSR)
Upfront cash ≈ HK$386K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,606
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,078
−HK$479/mo
Today · 4.125%
HK$18,557
baseline
▲ 0.50% · 4.625%
HK$19,535
+HK$978/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$37,114/mo (50% DSR)
Upfront cash ≈ HK$386K (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).