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$8,841
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,116
−HK$279/mo
Today · 4.125%
HK$9,395
baseline
▲ 0.50% · 4.625%
HK$9,967
+HK$572/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,790/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$9,836
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,099
−HK$268/mo
Today · 4.125%
HK$10,367
baseline
▲ 0.50% · 4.625%
HK$10,913
+HK$546/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,734/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$10,609
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,939
−HK$336/mo
Today · 4.125%
HK$11,275
baseline
▲ 0.50% · 4.625%
HK$11,961
+HK$686/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,550/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,803
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,119
−HK$321/mo
Today · 4.125%
HK$12,440
baseline
▲ 0.50% · 4.625%
HK$13,096
+HK$656/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,880/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,377
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,762
−HK$392/mo
Today · 4.125%
HK$13,154
baseline
▲ 0.50% · 4.625%
HK$13,954
+HK$800/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,308/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$13,770
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,139
−HK$375/mo
Today · 4.125%
HK$14,514
baseline
▲ 0.50% · 4.625%
HK$15,279
+HK$765/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$29,028/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$15,914
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,409
−HK$503/mo
Today · 4.125%
HK$16,912
baseline
▲ 0.50% · 4.625%
HK$17,941
+HK$1,029/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$33,824/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,704
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,179
−HK$482/mo
Today · 4.125%
HK$18,661
baseline
▲ 0.50% · 4.625%
HK$19,644
+HK$983/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$37,322/mo (50% DSR)
Upfront cash ≈ HK$388K (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).