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$8,812
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,086
−HK$279/mo
Today · 4.125%
HK$9,365
baseline
▲ 0.50% · 4.625%
HK$9,935
+HK$570/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,730/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$9,804
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,067
−HK$266/mo
Today · 4.125%
HK$10,333
baseline
▲ 0.50% · 4.625%
HK$10,878
+HK$545/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,666/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$10,575
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,904
−HK$334/mo
Today · 4.125%
HK$11,238
baseline
▲ 0.50% · 4.625%
HK$11,922
+HK$684/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,476/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$11,764
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,080
−HK$320/mo
Today · 4.125%
HK$12,400
baseline
▲ 0.50% · 4.625%
HK$13,053
+HK$653/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,800/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$12,337
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,721
−HK$390/mo
Today · 4.125%
HK$13,111
baseline
▲ 0.50% · 4.625%
HK$13,909
+HK$798/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,222/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$13,725
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,093
−HK$374/mo
Today · 4.125%
HK$14,467
baseline
▲ 0.50% · 4.625%
HK$15,229
+HK$762/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,934/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$15,862
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,356
−HK$501/mo
Today · 4.125%
HK$16,857
baseline
▲ 0.50% · 4.625%
HK$17,883
+HK$1,026/mo
Deposit HK$386K · loan HK$3.48M · min. income ≈ HK$33,714/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$17,646
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,120
−HK$480/mo
Today · 4.125%
HK$18,600
baseline
▲ 0.50% · 4.625%
HK$19,580
+HK$980/mo
Deposit HK$386K · loan HK$3.48M · min. income ≈ HK$37,200/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).