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$8,838
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,113
−HK$279/mo
Today · 4.125%
HK$9,392
baseline
▲ 0.50% · 4.625%
HK$9,964
+HK$572/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,784/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$9,832
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,096
−HK$267/mo
Today · 4.125%
HK$10,363
baseline
▲ 0.50% · 4.625%
HK$10,910
+HK$547/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,726/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$10,605
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,935
−HK$336/mo
Today · 4.125%
HK$11,271
baseline
▲ 0.50% · 4.625%
HK$11,956
+HK$685/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,542/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$11,799
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,115
−HK$321/mo
Today · 4.125%
HK$12,436
baseline
▲ 0.50% · 4.625%
HK$13,091
+HK$655/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,872/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$12,373
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,758
−HK$391/mo
Today · 4.125%
HK$13,149
baseline
▲ 0.50% · 4.625%
HK$13,949
+HK$800/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,298/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$13,765
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,134
−HK$375/mo
Today · 4.125%
HK$14,509
baseline
▲ 0.50% · 4.625%
HK$15,273
+HK$764/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$29,018/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$15,908
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,403
−HK$503/mo
Today · 4.125%
HK$16,906
baseline
▲ 0.50% · 4.625%
HK$17,935
+HK$1,029/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$33,812/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$17,698
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,172
−HK$482/mo
Today · 4.125%
HK$18,654
baseline
▲ 0.50% · 4.625%
HK$19,637
+HK$983/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$37,308/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).