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$8,849
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,124
−HK$280/mo
Today · 4.125%
HK$9,404
baseline
▲ 0.50% · 4.625%
HK$9,976
+HK$572/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,808/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$532/mo
▼ 0.25% · 3.875%
HK$10,109
−HK$267/mo
Today · 4.125%
HK$10,376
baseline
▲ 0.50% · 4.625%
HK$10,923
+HK$547/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,752/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$10,619
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,949
−HK$336/mo
Today · 4.125%
HK$11,285
baseline
▲ 0.50% · 4.625%
HK$11,971
+HK$686/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,570/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$11,813
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,130
−HK$322/mo
Today · 4.125%
HK$12,452
baseline
▲ 0.50% · 4.625%
HK$13,108
+HK$656/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,904/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$12,389
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,774
−HK$392/mo
Today · 4.125%
HK$13,166
baseline
▲ 0.50% · 4.625%
HK$13,967
+HK$801/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$26,332/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$13,782
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,152
−HK$375/mo
Today · 4.125%
HK$14,527
baseline
▲ 0.50% · 4.625%
HK$15,293
+HK$766/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$29,054/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$15,928
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,424
−HK$503/mo
Today · 4.125%
HK$16,927
baseline
▲ 0.50% · 4.625%
HK$17,957
+HK$1,030/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$33,854/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$17,720
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,195
−HK$482/mo
Today · 4.125%
HK$18,677
baseline
▲ 0.50% · 4.625%
HK$19,662
+HK$985/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$37,354/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).