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$8,844
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,120
−HK$279/mo
Today · 4.125%
HK$9,399
baseline
▲ 0.50% · 4.625%
HK$9,971
+HK$572/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,798/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$9,839
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,103
−HK$268/mo
Today · 4.125%
HK$10,371
baseline
▲ 0.50% · 4.625%
HK$10,918
+HK$547/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,742/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$10,613
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,943
−HK$336/mo
Today · 4.125%
HK$11,279
baseline
▲ 0.50% · 4.625%
HK$11,965
+HK$686/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,558/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$11,807
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,124
−HK$321/mo
Today · 4.125%
HK$12,445
baseline
▲ 0.50% · 4.625%
HK$13,101
+HK$656/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,890/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$12,382
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,767
−HK$392/mo
Today · 4.125%
HK$13,159
baseline
▲ 0.50% · 4.625%
HK$13,959
+HK$800/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$26,318/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$13,775
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,144
−HK$375/mo
Today · 4.125%
HK$14,519
baseline
▲ 0.50% · 4.625%
HK$15,285
+HK$766/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$29,038/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$15,920
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,415
−HK$503/mo
Today · 4.125%
HK$16,918
baseline
▲ 0.50% · 4.625%
HK$17,948
+HK$1,030/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$33,836/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$17,711
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,186
−HK$482/mo
Today · 4.125%
HK$18,668
baseline
▲ 0.50% · 4.625%
HK$19,652
+HK$984/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$37,336/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).