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$8,867
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,143
−HK$280/mo
Today · 4.125%
HK$9,423
baseline
▲ 0.50% · 4.625%
HK$9,996
+HK$573/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,846/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$9,864
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,129
−HK$268/mo
Today · 4.125%
HK$10,397
baseline
▲ 0.50% · 4.625%
HK$10,945
+HK$548/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,794/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$10,640
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,971
−HK$336/mo
Today · 4.125%
HK$11,307
baseline
▲ 0.50% · 4.625%
HK$11,995
+HK$688/mo
Deposit HK$1.56M · loan HK$2.33M · min. income ≈ HK$22,614/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,837
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,155
−HK$322/mo
Today · 4.125%
HK$12,477
baseline
▲ 0.50% · 4.625%
HK$13,134
+HK$657/mo
Deposit HK$1.56M · loan HK$2.33M · min. income ≈ HK$24,954/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,414
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,800
−HK$392/mo
Today · 4.125%
HK$13,192
baseline
▲ 0.50% · 4.625%
HK$13,995
+HK$803/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$26,384/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$13,810
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,180
−HK$376/mo
Today · 4.125%
HK$14,556
baseline
▲ 0.50% · 4.625%
HK$15,323
+HK$767/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$29,112/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$15,960
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,457
−HK$504/mo
Today · 4.125%
HK$16,961
baseline
▲ 0.50% · 4.625%
HK$17,993
+HK$1,032/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$33,922/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$17,756
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,232
−HK$483/mo
Today · 4.125%
HK$18,715
baseline
▲ 0.50% · 4.625%
HK$19,701
+HK$986/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,430/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).