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$8,829
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,104
−HK$279/mo
Today · 4.125%
HK$9,383
baseline
▲ 0.50% · 4.625%
HK$9,954
+HK$571/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,766/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$9,823
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,086
−HK$267/mo
Today · 4.125%
HK$10,353
baseline
▲ 0.50% · 4.625%
HK$10,899
+HK$546/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,706/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$10,595
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,925
−HK$335/mo
Today · 4.125%
HK$11,260
baseline
▲ 0.50% · 4.625%
HK$11,945
+HK$685/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,520/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$11,787
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,103
−HK$321/mo
Today · 4.125%
HK$12,424
baseline
▲ 0.50% · 4.625%
HK$13,079
+HK$655/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,848/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$12,361
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,746
−HK$390/mo
Today · 4.125%
HK$13,136
baseline
▲ 0.50% · 4.625%
HK$13,936
+HK$800/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,272/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$13,752
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,120
−HK$375/mo
Today · 4.125%
HK$14,495
baseline
▲ 0.50% · 4.625%
HK$15,259
+HK$764/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,990/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$15,893
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,387
−HK$502/mo
Today · 4.125%
HK$16,889
baseline
▲ 0.50% · 4.625%
HK$17,917
+HK$1,028/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$33,778/mo (50% DSR)
Upfront cash ≈ HK$387K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,681
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,155
−HK$481/mo
Today · 4.125%
HK$18,636
baseline
▲ 0.50% · 4.625%
HK$19,618
+HK$982/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$37,272/mo (50% DSR)
Upfront cash ≈ HK$387K (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).