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$8,864
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,139
−HK$280/mo
Today · 4.125%
HK$9,419
baseline
▲ 0.50% · 4.625%
HK$9,993
+HK$574/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,838/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$9,861
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,125
−HK$268/mo
Today · 4.125%
HK$10,393
baseline
▲ 0.50% · 4.625%
HK$10,941
+HK$548/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,786/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$10,636
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,967
−HK$336/mo
Today · 4.125%
HK$11,303
baseline
▲ 0.50% · 4.625%
HK$11,991
+HK$688/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,606/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$11,833
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,150
−HK$322/mo
Today · 4.125%
HK$12,472
baseline
▲ 0.50% · 4.625%
HK$13,129
+HK$657/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,944/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$12,409
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,795
−HK$392/mo
Today · 4.125%
HK$13,187
baseline
▲ 0.50% · 4.625%
HK$13,990
+HK$803/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$26,374/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$13,805
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,175
−HK$376/mo
Today · 4.125%
HK$14,551
baseline
▲ 0.50% · 4.625%
HK$15,318
+HK$767/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$29,102/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$15,954
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,451
−HK$504/mo
Today · 4.125%
HK$16,955
baseline
▲ 0.50% · 4.625%
HK$17,987
+HK$1,032/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$33,910/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$17,749
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,225
−HK$483/mo
Today · 4.125%
HK$18,708
baseline
▲ 0.50% · 4.625%
HK$19,694
+HK$986/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,416/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).