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$8,864
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,140
−HK$280/mo
Today · 4.125%
HK$9,420
baseline
▲ 0.50% · 4.625%
HK$9,993
+HK$573/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,840/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,861
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,126
−HK$268/mo
Today · 4.125%
HK$10,394
baseline
▲ 0.50% · 4.625%
HK$10,942
+HK$548/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,788/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,637
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,968
−HK$336/mo
Today · 4.125%
HK$11,304
baseline
▲ 0.50% · 4.625%
HK$11,992
+HK$688/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,608/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,834
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,151
−HK$322/mo
Today · 4.125%
HK$12,473
baseline
▲ 0.50% · 4.625%
HK$13,131
+HK$658/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,946/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,410
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,796
−HK$392/mo
Today · 4.125%
HK$13,188
baseline
▲ 0.50% · 4.625%
HK$13,991
+HK$803/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$26,376/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,806
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,176
−HK$376/mo
Today · 4.125%
HK$14,552
baseline
▲ 0.50% · 4.625%
HK$15,319
+HK$767/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$29,104/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,956
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,452
−HK$504/mo
Today · 4.125%
HK$16,956
baseline
▲ 0.50% · 4.625%
HK$17,988
+HK$1,032/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$33,912/mo (50% DSR)
Upfront cash ≈ HK$389K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,751
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,227
−HK$483/mo
Today · 4.125%
HK$18,710
baseline
▲ 0.50% · 4.625%
HK$19,696
+HK$986/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,420/mo (50% DSR)
Upfront cash ≈ HK$389K (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).