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$8,799
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,073
−HK$278/mo
Today · 4.125%
HK$9,351
baseline
▲ 0.50% · 4.625%
HK$9,920
+HK$569/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,702/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$9,789
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,051
−HK$267/mo
Today · 4.125%
HK$10,318
baseline
▲ 0.50% · 4.625%
HK$10,862
+HK$544/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,636/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$10,559
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,887
−HK$334/mo
Today · 4.125%
HK$11,221
baseline
▲ 0.50% · 4.625%
HK$11,904
+HK$683/mo
Deposit HK$1.54M · loan HK$2.32M · min. income ≈ HK$22,442/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$11,747
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,062
−HK$319/mo
Today · 4.125%
HK$12,381
baseline
▲ 0.50% · 4.625%
HK$13,034
+HK$653/mo
Deposit HK$1.54M · loan HK$2.32M · min. income ≈ HK$24,762/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$12,319
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,702
−HK$389/mo
Today · 4.125%
HK$13,091
baseline
▲ 0.50% · 4.625%
HK$13,888
+HK$797/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,182/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$13,705
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,072
−HK$373/mo
Today · 4.125%
HK$14,445
baseline
▲ 0.50% · 4.625%
HK$15,206
+HK$761/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,890/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$15,838
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,331
−HK$501/mo
Today · 4.125%
HK$16,832
baseline
▲ 0.50% · 4.625%
HK$17,856
+HK$1,024/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$33,664/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$17,620
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,093
−HK$479/mo
Today · 4.125%
HK$18,572
baseline
▲ 0.50% · 4.625%
HK$19,551
+HK$979/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$37,144/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).