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$8,824
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,099
−HK$279/mo
Today · 4.125%
HK$9,378
baseline
▲ 0.50% · 4.625%
HK$9,948
+HK$570/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,756/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$9,817
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,080
−HK$268/mo
Today · 4.125%
HK$10,348
baseline
▲ 0.50% · 4.625%
HK$10,893
+HK$545/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,696/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$10,589
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,919
−HK$334/mo
Today · 4.125%
HK$11,253
baseline
▲ 0.50% · 4.625%
HK$11,938
+HK$685/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,506/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$11,781
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,097
−HK$320/mo
Today · 4.125%
HK$12,417
baseline
▲ 0.50% · 4.625%
HK$13,072
+HK$655/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,834/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$12,354
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,739
−HK$390/mo
Today · 4.125%
HK$13,129
baseline
▲ 0.50% · 4.625%
HK$13,928
+HK$799/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,258/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$13,744
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,113
−HK$374/mo
Today · 4.125%
HK$14,487
baseline
▲ 0.50% · 4.625%
HK$15,250
+HK$763/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,974/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$15,884
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,378
−HK$502/mo
Today · 4.125%
HK$16,880
baseline
▲ 0.50% · 4.625%
HK$17,907
+HK$1,027/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$33,760/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$17,671
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,145
−HK$481/mo
Today · 4.125%
HK$18,626
baseline
▲ 0.50% · 4.625%
HK$19,607
+HK$981/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$37,252/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).