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$8,781
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,054
−HK$277/mo
Today · 4.125%
HK$9,331
baseline
▲ 0.50% · 4.625%
HK$9,899
+HK$568/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,662/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$9,768
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,030
−HK$266/mo
Today · 4.125%
HK$10,296
baseline
▲ 0.50% · 4.625%
HK$10,839
+HK$543/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,592/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$10,537
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,864
−HK$333/mo
Today · 4.125%
HK$11,197
baseline
▲ 0.50% · 4.625%
HK$11,879
+HK$682/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,394/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$11,722
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,036
−HK$319/mo
Today · 4.125%
HK$12,355
baseline
▲ 0.50% · 4.625%
HK$13,006
+HK$651/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,710/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$12,293
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,675
−HK$389/mo
Today · 4.125%
HK$13,064
baseline
▲ 0.50% · 4.625%
HK$13,858
+HK$794/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,128/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$13,676
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,042
−HK$372/mo
Today · 4.125%
HK$14,414
baseline
▲ 0.50% · 4.625%
HK$15,174
+HK$760/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,828/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$15,805
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,297
−HK$499/mo
Today · 4.125%
HK$16,796
baseline
▲ 0.50% · 4.625%
HK$17,818
+HK$1,022/mo
Deposit HK$385K · loan HK$3.47M · min. income ≈ HK$33,592/mo (50% DSR)
Upfront cash ≈ HK$385K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,583
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,054
−HK$479/mo
Today · 4.125%
HK$18,533
baseline
▲ 0.50% · 4.625%
HK$19,510
+HK$977/mo
Deposit HK$385K · loan HK$3.47M · min. income ≈ HK$37,066/mo (50% DSR)
Upfront cash ≈ HK$385K (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).