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$8,833
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,108
−HK$279/mo
Today · 4.125%
HK$9,387
baseline
▲ 0.50% · 4.625%
HK$9,958
+HK$571/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,774/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$9,827
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,091
−HK$267/mo
Today · 4.125%
HK$10,358
baseline
▲ 0.50% · 4.625%
HK$10,904
+HK$546/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,716/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$10,600
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,930
−HK$335/mo
Today · 4.125%
HK$11,265
baseline
▲ 0.50% · 4.625%
HK$11,950
+HK$685/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,530/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$11,792
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,109
−HK$321/mo
Today · 4.125%
HK$12,430
baseline
▲ 0.50% · 4.625%
HK$13,085
+HK$655/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,860/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$12,367
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,751
−HK$391/mo
Today · 4.125%
HK$13,142
baseline
▲ 0.50% · 4.625%
HK$13,942
+HK$800/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,284/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$13,758
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,127
−HK$374/mo
Today · 4.125%
HK$14,501
baseline
▲ 0.50% · 4.625%
HK$15,265
+HK$764/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$29,002/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$15,900
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,395
−HK$502/mo
Today · 4.125%
HK$16,897
baseline
▲ 0.50% · 4.625%
HK$17,925
+HK$1,028/mo
Deposit HK$387K · loan HK$3.49M · min. income ≈ HK$33,794/mo (50% DSR)
Upfront cash ≈ HK$387K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,689
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,163
−HK$481/mo
Today · 4.125%
HK$18,644
baseline
▲ 0.50% · 4.625%
HK$19,627
+HK$983/mo
Deposit HK$387K · loan HK$3.49M · min. income ≈ HK$37,288/mo (50% DSR)
Upfront cash ≈ HK$387K (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).