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$8,805
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,079
−HK$278/mo
Today · 4.125%
HK$9,357
baseline
▲ 0.50% · 4.625%
HK$9,926
+HK$569/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,714/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$9,795
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,058
−HK$266/mo
Today · 4.125%
HK$10,324
baseline
▲ 0.50% · 4.625%
HK$10,869
+HK$545/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,648/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$10,566
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,894
−HK$334/mo
Today · 4.125%
HK$11,228
baseline
▲ 0.50% · 4.625%
HK$11,911
+HK$683/mo
Deposit HK$1.54M · loan HK$2.32M · min. income ≈ HK$22,456/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$11,754
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,069
−HK$320/mo
Today · 4.125%
HK$12,389
baseline
▲ 0.50% · 4.625%
HK$13,042
+HK$653/mo
Deposit HK$1.54M · loan HK$2.32M · min. income ≈ HK$24,778/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$12,327
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,710
−HK$390/mo
Today · 4.125%
HK$13,100
baseline
▲ 0.50% · 4.625%
HK$13,897
+HK$797/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,200/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$13,713
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,081
−HK$373/mo
Today · 4.125%
HK$14,454
baseline
▲ 0.50% · 4.625%
HK$15,216
+HK$762/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,908/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$15,849
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,342
−HK$500/mo
Today · 4.125%
HK$16,842
baseline
▲ 0.50% · 4.625%
HK$17,867
+HK$1,025/mo
Deposit HK$386K · loan HK$3.48M · min. income ≈ HK$33,684/mo (50% DSR)
Upfront cash ≈ HK$386K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,631
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,104
−HK$480/mo
Today · 4.125%
HK$18,584
baseline
▲ 0.50% · 4.625%
HK$19,564
+HK$980/mo
Deposit HK$386K · loan HK$3.48M · min. income ≈ HK$37,168/mo (50% DSR)
Upfront cash ≈ HK$386K (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).