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$8,823
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,097
−HK$279/mo
Today · 4.125%
HK$9,376
baseline
▲ 0.50% · 4.625%
HK$9,947
+HK$571/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,752/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$530/mo
▼ 0.25% · 3.875%
HK$10,079
−HK$267/mo
Today · 4.125%
HK$10,346
baseline
▲ 0.50% · 4.625%
HK$10,891
+HK$545/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,692/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$10,588
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,917
−HK$335/mo
Today · 4.125%
HK$11,252
baseline
▲ 0.50% · 4.625%
HK$11,936
+HK$684/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$11,779
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,095
−HK$320/mo
Today · 4.125%
HK$12,415
baseline
▲ 0.50% · 4.625%
HK$13,069
+HK$654/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,830/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$12,352
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,736
−HK$391/mo
Today · 4.125%
HK$13,127
baseline
▲ 0.50% · 4.625%
HK$13,926
+HK$799/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,254/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$13,742
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,110
−HK$374/mo
Today · 4.125%
HK$14,484
baseline
▲ 0.50% · 4.625%
HK$15,248
+HK$764/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,968/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$15,881
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,375
−HK$502/mo
Today · 4.125%
HK$16,877
baseline
▲ 0.50% · 4.625%
HK$17,904
+HK$1,027/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$33,754/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$17,668
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,142
−HK$480/mo
Today · 4.125%
HK$18,622
baseline
▲ 0.50% · 4.625%
HK$19,604
+HK$982/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$37,244/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).