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$550/mo
▼ 0.25% · 3.875%
HK$9,055
−HK$277/mo
Today · 4.125%
HK$9,332
baseline
▲ 0.50% · 4.625%
HK$9,900
+HK$568/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,664/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$527/mo
▼ 0.25% · 3.875%
HK$10,032
−HK$265/mo
Today · 4.125%
HK$10,297
baseline
▲ 0.50% · 4.625%
HK$10,840
+HK$543/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,594/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$10,538
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,866
−HK$333/mo
Today · 4.125%
HK$11,199
baseline
▲ 0.50% · 4.625%
HK$11,880
+HK$681/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,398/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$11,723
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,038
−HK$319/mo
Today · 4.125%
HK$12,357
baseline
▲ 0.50% · 4.625%
HK$13,008
+HK$651/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,714/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$12,294
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,677
−HK$388/mo
Today · 4.125%
HK$13,065
baseline
▲ 0.50% · 4.625%
HK$13,860
+HK$795/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,130/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$13,677
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,044
−HK$372/mo
Today · 4.125%
HK$14,416
baseline
▲ 0.50% · 4.625%
HK$15,176
+HK$760/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,832/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$15,807
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,299
−HK$499/mo
Today · 4.125%
HK$16,798
baseline
▲ 0.50% · 4.625%
HK$17,820
+HK$1,022/mo
Deposit HK$385K · loan HK$3.47M · min. income ≈ HK$33,596/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$17,585
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,057
−HK$478/mo
Today · 4.125%
HK$18,535
baseline
▲ 0.50% · 4.625%
HK$19,512
+HK$977/mo
Deposit HK$385K · loan HK$3.47M · min. income ≈ HK$37,070/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).