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$8,860
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,135
−HK$280/mo
Today · 4.125%
HK$9,415
baseline
▲ 0.50% · 4.625%
HK$9,988
+HK$573/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,830/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$9,856
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,121
−HK$268/mo
Today · 4.125%
HK$10,389
baseline
▲ 0.50% · 4.625%
HK$10,936
+HK$547/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,778/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$10,632
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,962
−HK$336/mo
Today · 4.125%
HK$11,298
baseline
▲ 0.50% · 4.625%
HK$11,986
+HK$688/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,596/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$11,828
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,145
−HK$322/mo
Today · 4.125%
HK$12,467
baseline
▲ 0.50% · 4.625%
HK$13,124
+HK$657/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,934/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$12,404
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,789
−HK$392/mo
Today · 4.125%
HK$13,181
baseline
▲ 0.50% · 4.625%
HK$13,983
+HK$802/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$26,362/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$13,799
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,169
−HK$375/mo
Today · 4.125%
HK$14,544
baseline
▲ 0.50% · 4.625%
HK$15,311
+HK$767/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$29,088/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$15,948
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,444
−HK$504/mo
Today · 4.125%
HK$16,948
baseline
▲ 0.50% · 4.625%
HK$17,979
+HK$1,031/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$33,896/mo (50% DSR)
Upfront cash ≈ HK$389K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,741
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,217
−HK$483/mo
Today · 4.125%
HK$18,700
baseline
▲ 0.50% · 4.625%
HK$19,686
+HK$986/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,400/mo (50% DSR)
Upfront cash ≈ HK$389K (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).