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$8,788
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,062
−HK$278/mo
Today · 4.125%
HK$9,340
baseline
▲ 0.50% · 4.625%
HK$9,908
+HK$568/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,680/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$9,777
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,039
−HK$266/mo
Today · 4.125%
HK$10,305
baseline
▲ 0.50% · 4.625%
HK$10,848
+HK$543/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,610/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$10,546
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,874
−HK$333/mo
Today · 4.125%
HK$11,207
baseline
▲ 0.50% · 4.625%
HK$11,889
+HK$682/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,414/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$11,732
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,047
−HK$319/mo
Today · 4.125%
HK$12,366
baseline
▲ 0.50% · 4.625%
HK$13,018
+HK$652/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,732/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$12,304
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,686
−HK$389/mo
Today · 4.125%
HK$13,075
baseline
▲ 0.50% · 4.625%
HK$13,871
+HK$796/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,150/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$13,688
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,055
−HK$372/mo
Today · 4.125%
HK$14,427
baseline
▲ 0.50% · 4.625%
HK$15,188
+HK$761/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,854/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$15,819
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,311
−HK$500/mo
Today · 4.125%
HK$16,811
baseline
▲ 0.50% · 4.625%
HK$17,834
+HK$1,023/mo
Deposit HK$385K · loan HK$3.47M · min. income ≈ HK$33,622/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$17,599
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,071
−HK$478/mo
Today · 4.125%
HK$18,549
baseline
▲ 0.50% · 4.625%
HK$19,527
+HK$978/mo
Deposit HK$385K · loan HK$3.47M · min. income ≈ HK$37,098/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).