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$8,799
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,072
−HK$278/mo
Today · 4.125%
HK$9,350
baseline
▲ 0.50% · 4.625%
HK$9,919
+HK$569/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,700/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$9,788
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,051
−HK$266/mo
Today · 4.125%
HK$10,317
baseline
▲ 0.50% · 4.625%
HK$10,861
+HK$544/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,634/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$10,558
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,887
−HK$333/mo
Today · 4.125%
HK$11,220
baseline
▲ 0.50% · 4.625%
HK$11,903
+HK$683/mo
Deposit HK$1.54M · loan HK$2.32M · min. income ≈ HK$22,440/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$11,746
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,061
−HK$320/mo
Today · 4.125%
HK$12,381
baseline
▲ 0.50% · 4.625%
HK$13,033
+HK$652/mo
Deposit HK$1.54M · loan HK$2.32M · min. income ≈ HK$24,762/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$12,318
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,701
−HK$389/mo
Today · 4.125%
HK$13,090
baseline
▲ 0.50% · 4.625%
HK$13,887
+HK$797/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,180/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$13,704
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,071
−HK$373/mo
Today · 4.125%
HK$14,444
baseline
▲ 0.50% · 4.625%
HK$15,205
+HK$761/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,888/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$15,837
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,330
−HK$501/mo
Today · 4.125%
HK$16,831
baseline
▲ 0.50% · 4.625%
HK$17,855
+HK$1,024/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$33,662/mo (50% DSR)
Upfront cash ≈ HK$386K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,619
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,092
−HK$479/mo
Today · 4.125%
HK$18,571
baseline
▲ 0.50% · 4.625%
HK$19,550
+HK$979/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$37,142/mo (50% DSR)
Upfront cash ≈ HK$386K (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).