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$8,783
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,056
−HK$278/mo
Today · 4.125%
HK$9,334
baseline
▲ 0.50% · 4.625%
HK$9,902
+HK$568/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,668/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$9,771
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,033
−HK$266/mo
Today · 4.125%
HK$10,299
baseline
▲ 0.50% · 4.625%
HK$10,842
+HK$543/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,598/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$10,540
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,868
−HK$333/mo
Today · 4.125%
HK$11,201
baseline
▲ 0.50% · 4.625%
HK$11,882
+HK$681/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,402/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$11,725
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,040
−HK$319/mo
Today · 4.125%
HK$12,359
baseline
▲ 0.50% · 4.625%
HK$13,010
+HK$651/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,718/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$12,296
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,679
−HK$389/mo
Today · 4.125%
HK$13,068
baseline
▲ 0.50% · 4.625%
HK$13,863
+HK$795/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,136/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$13,680
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,047
−HK$372/mo
Today · 4.125%
HK$14,419
baseline
▲ 0.50% · 4.625%
HK$15,179
+HK$760/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,838/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$15,810
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,302
−HK$499/mo
Today · 4.125%
HK$16,801
baseline
▲ 0.50% · 4.625%
HK$17,823
+HK$1,022/mo
Deposit HK$385K · loan HK$3.47M · min. income ≈ HK$33,602/mo (50% DSR)
Upfront cash ≈ HK$385K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,588
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,060
−HK$478/mo
Today · 4.125%
HK$18,538
baseline
▲ 0.50% · 4.625%
HK$19,516
+HK$978/mo
Deposit HK$385K · loan HK$3.47M · min. income ≈ HK$37,076/mo (50% DSR)
Upfront cash ≈ HK$385K (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).