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$8,793
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,067
−HK$277/mo
Today · 4.125%
HK$9,344
baseline
▲ 0.50% · 4.625%
HK$9,913
+HK$569/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,688/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$9,782
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,044
−HK$267/mo
Today · 4.125%
HK$10,311
baseline
▲ 0.50% · 4.625%
HK$10,854
+HK$543/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,622/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$10,552
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,880
−HK$333/mo
Today · 4.125%
HK$11,213
baseline
▲ 0.50% · 4.625%
HK$11,896
+HK$683/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,426/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$11,739
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,053
−HK$320/mo
Today · 4.125%
HK$12,373
baseline
▲ 0.50% · 4.625%
HK$13,025
+HK$652/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,746/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$12,310
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,693
−HK$389/mo
Today · 4.125%
HK$13,082
baseline
▲ 0.50% · 4.625%
HK$13,878
+HK$796/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,164/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$13,695
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,062
−HK$373/mo
Today · 4.125%
HK$14,435
baseline
▲ 0.50% · 4.625%
HK$15,196
+HK$761/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,870/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$15,827
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,320
−HK$500/mo
Today · 4.125%
HK$16,820
baseline
▲ 0.50% · 4.625%
HK$17,843
+HK$1,023/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$33,640/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$17,608
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,080
−HK$479/mo
Today · 4.125%
HK$18,559
baseline
▲ 0.50% · 4.625%
HK$19,537
+HK$978/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$37,118/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).