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$8,800
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,074
−HK$278/mo
Today · 4.125%
HK$9,352
baseline
▲ 0.50% · 4.625%
HK$9,921
+HK$569/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,704/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$9,790
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,053
−HK$266/mo
Today · 4.125%
HK$10,319
baseline
▲ 0.50% · 4.625%
HK$10,863
+HK$544/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,638/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$10,560
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,889
−HK$333/mo
Today · 4.125%
HK$11,222
baseline
▲ 0.50% · 4.625%
HK$11,905
+HK$683/mo
Deposit HK$1.54M · loan HK$2.32M · min. income ≈ HK$22,444/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,748
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,063
−HK$320/mo
Today · 4.125%
HK$12,383
baseline
▲ 0.50% · 4.625%
HK$13,035
+HK$652/mo
Deposit HK$1.54M · loan HK$2.32M · min. income ≈ HK$24,766/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,320
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,703
−HK$390/mo
Today · 4.125%
HK$13,093
baseline
▲ 0.50% · 4.625%
HK$13,889
+HK$796/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,186/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$13,706
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,074
−HK$372/mo
Today · 4.125%
HK$14,446
baseline
▲ 0.50% · 4.625%
HK$15,208
+HK$762/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,892/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$15,840
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,333
−HK$500/mo
Today · 4.125%
HK$16,833
baseline
▲ 0.50% · 4.625%
HK$17,858
+HK$1,025/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$33,666/mo (50% DSR)
Upfront cash ≈ HK$386K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,622
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,095
−HK$479/mo
Today · 4.125%
HK$18,574
baseline
▲ 0.50% · 4.625%
HK$19,553
+HK$979/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$37,148/mo (50% DSR)
Upfront cash ≈ HK$386K (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).