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$8,825
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,100
−HK$279/mo
Today · 4.125%
HK$9,379
baseline
▲ 0.50% · 4.625%
HK$9,949
+HK$570/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,758/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$9,818
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,081
−HK$267/mo
Today · 4.125%
HK$10,348
baseline
▲ 0.50% · 4.625%
HK$10,894
+HK$546/mo
Deposit HK$1.94M · loan HK$1.94M · 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$10,590
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,920
−HK$334/mo
Today · 4.125%
HK$11,254
baseline
▲ 0.50% · 4.625%
HK$11,939
+HK$685/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,508/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$11,782
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,098
−HK$320/mo
Today · 4.125%
HK$12,418
baseline
▲ 0.50% · 4.625%
HK$13,073
+HK$655/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,836/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$12,355
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,740
−HK$390/mo
Today · 4.125%
HK$13,130
baseline
▲ 0.50% · 4.625%
HK$13,929
+HK$799/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,260/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$13,745
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,114
−HK$374/mo
Today · 4.125%
HK$14,488
baseline
▲ 0.50% · 4.625%
HK$15,251
+HK$763/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,976/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$15,885
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,380
−HK$502/mo
Today · 4.125%
HK$16,882
baseline
▲ 0.50% · 4.625%
HK$17,909
+HK$1,027/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$33,764/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$17,672
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,146
−HK$481/mo
Today · 4.125%
HK$18,627
baseline
▲ 0.50% · 4.625%
HK$19,609
+HK$982/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$37,254/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).