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$8,853
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,128
−HK$280/mo
Today · 4.125%
HK$9,408
baseline
▲ 0.50% · 4.625%
HK$9,980
+HK$572/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,816/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$9,848
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,113
−HK$267/mo
Today · 4.125%
HK$10,380
baseline
▲ 0.50% · 4.625%
HK$10,928
+HK$548/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,760/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$10,623
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,954
−HK$335/mo
Today · 4.125%
HK$11,289
baseline
▲ 0.50% · 4.625%
HK$11,976
+HK$687/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,578/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$11,818
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,135
−HK$322/mo
Today · 4.125%
HK$12,457
baseline
▲ 0.50% · 4.625%
HK$13,113
+HK$656/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,914/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$12,394
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,779
−HK$392/mo
Today · 4.125%
HK$13,171
baseline
▲ 0.50% · 4.625%
HK$13,972
+HK$801/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$26,342/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$13,788
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,158
−HK$375/mo
Today · 4.125%
HK$14,533
baseline
▲ 0.50% · 4.625%
HK$15,299
+HK$766/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$29,066/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$15,935
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,430
−HK$504/mo
Today · 4.125%
HK$16,934
baseline
▲ 0.50% · 4.625%
HK$17,964
+HK$1,030/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$33,868/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,727
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,203
−HK$482/mo
Today · 4.125%
HK$18,685
baseline
▲ 0.50% · 4.625%
HK$19,670
+HK$985/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$37,370/mo (50% DSR)
Upfront cash ≈ HK$388K (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).