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$8,813
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,087
−HK$279/mo
Today · 4.125%
HK$9,366
baseline
▲ 0.50% · 4.625%
HK$9,936
+HK$570/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,732/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$9,804
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,067
−HK$267/mo
Today · 4.125%
HK$10,334
baseline
▲ 0.50% · 4.625%
HK$10,879
+HK$545/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,668/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$10,576
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,905
−HK$334/mo
Today · 4.125%
HK$11,239
baseline
▲ 0.50% · 4.625%
HK$11,923
+HK$684/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,478/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$11,765
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,081
−HK$320/mo
Today · 4.125%
HK$12,401
baseline
▲ 0.50% · 4.625%
HK$13,055
+HK$654/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,802/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$12,338
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,722
−HK$390/mo
Today · 4.125%
HK$13,112
baseline
▲ 0.50% · 4.625%
HK$13,910
+HK$798/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,224/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$13,726
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,094
−HK$374/mo
Today · 4.125%
HK$14,468
baseline
▲ 0.50% · 4.625%
HK$15,230
+HK$762/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,936/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$15,863
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,357
−HK$501/mo
Today · 4.125%
HK$16,858
baseline
▲ 0.50% · 4.625%
HK$17,884
+HK$1,026/mo
Deposit HK$386K · loan HK$3.48M · min. income ≈ HK$33,716/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$17,648
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,121
−HK$480/mo
Today · 4.125%
HK$18,601
baseline
▲ 0.50% · 4.625%
HK$19,582
+HK$981/mo
Deposit HK$386K · loan HK$3.48M · min. income ≈ HK$37,202/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).