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$553/mo
▼ 0.25% · 3.875%
HK$9,098
−HK$279/mo
Today · 4.125%
HK$9,377
baseline
▲ 0.50% · 4.625%
HK$9,948
+HK$571/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,754/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$9,816
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,080
−HK$267/mo
Today · 4.125%
HK$10,347
baseline
▲ 0.50% · 4.625%
HK$10,892
+HK$545/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,694/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$10,589
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,918
−HK$334/mo
Today · 4.125%
HK$11,252
baseline
▲ 0.50% · 4.625%
HK$11,937
+HK$685/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,504/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$11,780
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,096
−HK$320/mo
Today · 4.125%
HK$12,416
baseline
▲ 0.50% · 4.625%
HK$13,070
+HK$654/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,832/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$12,353
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,738
−HK$390/mo
Today · 4.125%
HK$13,128
baseline
▲ 0.50% · 4.625%
HK$13,927
+HK$799/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,256/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$13,743
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,111
−HK$374/mo
Today · 4.125%
HK$14,485
baseline
▲ 0.50% · 4.625%
HK$15,249
+HK$764/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,970/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$15,883
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,377
−HK$502/mo
Today · 4.125%
HK$16,879
baseline
▲ 0.50% · 4.625%
HK$17,906
+HK$1,027/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$33,758/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$17,669
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,143
−HK$481/mo
Today · 4.125%
HK$18,624
baseline
▲ 0.50% · 4.625%
HK$19,606
+HK$982/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$37,248/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).