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$8,848
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,123
−HK$280/mo
Today · 4.125%
HK$9,403
baseline
▲ 0.50% · 4.625%
HK$9,975
+HK$572/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,806/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$9,844
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,108
−HK$267/mo
Today · 4.125%
HK$10,375
baseline
▲ 0.50% · 4.625%
HK$10,922
+HK$547/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,750/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$10,618
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,948
−HK$336/mo
Today · 4.125%
HK$11,284
baseline
▲ 0.50% · 4.625%
HK$11,970
+HK$686/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,568/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$11,812
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,129
−HK$322/mo
Today · 4.125%
HK$12,451
baseline
▲ 0.50% · 4.625%
HK$13,107
+HK$656/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,902/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$12,388
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,773
−HK$391/mo
Today · 4.125%
HK$13,164
baseline
▲ 0.50% · 4.625%
HK$13,965
+HK$801/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$26,328/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$13,781
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,151
−HK$375/mo
Today · 4.125%
HK$14,526
baseline
▲ 0.50% · 4.625%
HK$15,291
+HK$765/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$29,052/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$15,927
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,422
−HK$504/mo
Today · 4.125%
HK$16,926
baseline
▲ 0.50% · 4.625%
HK$17,956
+HK$1,030/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$33,852/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$17,718
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,194
−HK$482/mo
Today · 4.125%
HK$18,676
baseline
▲ 0.50% · 4.625%
HK$19,660
+HK$984/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$37,352/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).