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$8,782
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,056
−HK$277/mo
Today · 4.125%
HK$9,333
baseline
▲ 0.50% · 4.625%
HK$9,901
+HK$568/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,666/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$9,770
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,032
−HK$266/mo
Today · 4.125%
HK$10,298
baseline
▲ 0.50% · 4.625%
HK$10,841
+HK$543/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,596/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$10,539
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,867
−HK$333/mo
Today · 4.125%
HK$11,200
baseline
▲ 0.50% · 4.625%
HK$11,881
+HK$681/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,400/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$11,724
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,039
−HK$319/mo
Today · 4.125%
HK$12,358
baseline
▲ 0.50% · 4.625%
HK$13,009
+HK$651/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,716/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$12,295
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,678
−HK$388/mo
Today · 4.125%
HK$13,066
baseline
▲ 0.50% · 4.625%
HK$13,862
+HK$796/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,132/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$13,679
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,045
−HK$373/mo
Today · 4.125%
HK$14,418
baseline
▲ 0.50% · 4.625%
HK$15,178
+HK$760/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,836/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$15,808
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,300
−HK$500/mo
Today · 4.125%
HK$16,800
baseline
▲ 0.50% · 4.625%
HK$17,822
+HK$1,022/mo
Deposit HK$385K · loan HK$3.47M · min. income ≈ HK$33,600/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$17,587
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,058
−HK$479/mo
Today · 4.125%
HK$18,537
baseline
▲ 0.50% · 4.625%
HK$19,514
+HK$977/mo
Deposit HK$385K · loan HK$3.47M · min. income ≈ HK$37,074/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).