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$8,858
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,133
−HK$280/mo
Today · 4.125%
HK$9,413
baseline
▲ 0.50% · 4.625%
HK$9,986
+HK$573/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,826/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$9,854
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,118
−HK$268/mo
Today · 4.125%
HK$10,386
baseline
▲ 0.50% · 4.625%
HK$10,934
+HK$548/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,772/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$10,629
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,960
−HK$336/mo
Today · 4.125%
HK$11,296
baseline
▲ 0.50% · 4.625%
HK$11,983
+HK$687/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,592/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$11,825
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,142
−HK$322/mo
Today · 4.125%
HK$12,464
baseline
▲ 0.50% · 4.625%
HK$13,121
+HK$657/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,928/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$12,401
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,786
−HK$392/mo
Today · 4.125%
HK$13,178
baseline
▲ 0.50% · 4.625%
HK$13,980
+HK$802/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$26,356/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,796
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,166
−HK$375/mo
Today · 4.125%
HK$14,541
baseline
▲ 0.50% · 4.625%
HK$15,308
+HK$767/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$29,082/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,944
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,440
−HK$504/mo
Today · 4.125%
HK$16,944
baseline
▲ 0.50% · 4.625%
HK$17,975
+HK$1,031/mo
Deposit HK$388K · loan HK$3.50M · min. income ≈ HK$33,888/mo (50% DSR)
Upfront cash ≈ HK$389K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,737
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,213
−HK$483/mo
Today · 4.125%
HK$18,696
baseline
▲ 0.50% · 4.625%
HK$19,681
+HK$985/mo
Deposit HK$388K · loan HK$3.50M · min. income ≈ HK$37,392/mo (50% DSR)
Upfront cash ≈ HK$389K (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).