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$8,814
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,088
−HK$278/mo
Today · 4.125%
HK$9,366
baseline
▲ 0.50% · 4.625%
HK$9,936
+HK$570/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,732/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$9,805
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,068
−HK$267/mo
Today · 4.125%
HK$10,335
baseline
▲ 0.50% · 4.625%
HK$10,880
+HK$545/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,670/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$10,576
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,905
−HK$335/mo
Today · 4.125%
HK$11,240
baseline
▲ 0.50% · 4.625%
HK$11,923
+HK$683/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,480/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$11,766
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,082
−HK$320/mo
Today · 4.125%
HK$12,402
baseline
▲ 0.50% · 4.625%
HK$13,055
+HK$653/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,804/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$12,339
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,723
−HK$390/mo
Today · 4.125%
HK$13,113
baseline
▲ 0.50% · 4.625%
HK$13,911
+HK$798/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,226/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$13,727
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,095
−HK$374/mo
Today · 4.125%
HK$14,469
baseline
▲ 0.50% · 4.625%
HK$15,231
+HK$762/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,938/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$15,865
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,358
−HK$501/mo
Today · 4.125%
HK$16,859
baseline
▲ 0.50% · 4.625%
HK$17,885
+HK$1,026/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$33,718/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$17,649
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,122
−HK$481/mo
Today · 4.125%
HK$18,603
baseline
▲ 0.50% · 4.625%
HK$19,583
+HK$980/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$37,206/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).