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$8,843
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,118
−HK$279/mo
Today · 4.125%
HK$9,397
baseline
▲ 0.50% · 4.625%
HK$9,969
+HK$572/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,794/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$9,837
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,101
−HK$268/mo
Today · 4.125%
HK$10,369
baseline
▲ 0.50% · 4.625%
HK$10,915
+HK$546/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,738/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$10,611
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,941
−HK$336/mo
Today · 4.125%
HK$11,277
baseline
▲ 0.50% · 4.625%
HK$11,963
+HK$686/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,554/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$11,805
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,122
−HK$321/mo
Today · 4.125%
HK$12,443
baseline
▲ 0.50% · 4.625%
HK$13,099
+HK$656/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,886/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$12,380
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,765
−HK$391/mo
Today · 4.125%
HK$13,156
baseline
▲ 0.50% · 4.625%
HK$13,957
+HK$801/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,312/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$13,772
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,142
−HK$374/mo
Today · 4.125%
HK$14,516
baseline
▲ 0.50% · 4.625%
HK$15,282
+HK$766/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$29,032/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$15,917
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,412
−HK$503/mo
Today · 4.125%
HK$16,915
baseline
▲ 0.50% · 4.625%
HK$17,944
+HK$1,029/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$33,830/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$17,707
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,182
−HK$482/mo
Today · 4.125%
HK$18,664
baseline
▲ 0.50% · 4.625%
HK$19,648
+HK$984/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$37,328/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).