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$8,790
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,063
−HK$278/mo
Today · 4.125%
HK$9,341
baseline
▲ 0.50% · 4.625%
HK$9,909
+HK$568/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,682/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$9,778
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,040
−HK$267/mo
Today · 4.125%
HK$10,307
baseline
▲ 0.50% · 4.625%
HK$10,850
+HK$543/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,614/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$10,547
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,876
−HK$333/mo
Today · 4.125%
HK$11,209
baseline
▲ 0.50% · 4.625%
HK$11,891
+HK$682/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,418/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$11,734
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,049
−HK$319/mo
Today · 4.125%
HK$12,368
baseline
▲ 0.50% · 4.625%
HK$13,020
+HK$652/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,736/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$12,305
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,688
−HK$389/mo
Today · 4.125%
HK$13,077
baseline
▲ 0.50% · 4.625%
HK$13,873
+HK$796/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,154/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$13,690
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,057
−HK$372/mo
Today · 4.125%
HK$14,429
baseline
▲ 0.50% · 4.625%
HK$15,190
+HK$761/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,858/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$15,821
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,313
−HK$500/mo
Today · 4.125%
HK$16,813
baseline
▲ 0.50% · 4.625%
HK$17,836
+HK$1,023/mo
Deposit HK$385K · loan HK$3.47M · min. income ≈ HK$33,626/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$17,601
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,073
−HK$479/mo
Today · 4.125%
HK$18,552
baseline
▲ 0.50% · 4.625%
HK$19,530
+HK$978/mo
Deposit HK$385K · loan HK$3.47M · min. income ≈ HK$37,104/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).