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$8,787
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,061
−HK$277/mo
Today · 4.125%
HK$9,338
baseline
▲ 0.50% · 4.625%
HK$9,907
+HK$569/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,676/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$9,776
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,038
−HK$266/mo
Today · 4.125%
HK$10,304
baseline
▲ 0.50% · 4.625%
HK$10,847
+HK$543/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,608/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$10,545
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,873
−HK$333/mo
Today · 4.125%
HK$11,206
baseline
▲ 0.50% · 4.625%
HK$11,888
+HK$682/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,412/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$11,731
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,046
−HK$319/mo
Today · 4.125%
HK$12,365
baseline
▲ 0.50% · 4.625%
HK$13,017
+HK$652/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,730/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$12,302
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,685
−HK$389/mo
Today · 4.125%
HK$13,074
baseline
▲ 0.50% · 4.625%
HK$13,869
+HK$795/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,148/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$13,686
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,053
−HK$373/mo
Today · 4.125%
HK$14,426
baseline
▲ 0.50% · 4.625%
HK$15,186
+HK$760/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,852/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$15,817
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,309
−HK$500/mo
Today · 4.125%
HK$16,809
baseline
▲ 0.50% · 4.625%
HK$17,832
+HK$1,023/mo
Deposit HK$385K · loan HK$3.47M · min. income ≈ HK$33,618/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$17,597
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,068
−HK$479/mo
Today · 4.125%
HK$18,547
baseline
▲ 0.50% · 4.625%
HK$19,525
+HK$978/mo
Deposit HK$385K · loan HK$3.47M · min. income ≈ HK$37,094/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).