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$8,806
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,080
−HK$278/mo
Today · 4.125%
HK$9,358
baseline
▲ 0.50% · 4.625%
HK$9,928
+HK$570/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,716/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$9,797
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,059
−HK$267/mo
Today · 4.125%
HK$10,326
baseline
▲ 0.50% · 4.625%
HK$10,870
+HK$544/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,652/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$10,567
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,896
−HK$334/mo
Today · 4.125%
HK$11,230
baseline
▲ 0.50% · 4.625%
HK$11,913
+HK$683/mo
Deposit HK$1.54M · loan HK$2.32M · min. income ≈ HK$22,460/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$11,756
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,071
−HK$320/mo
Today · 4.125%
HK$12,391
baseline
▲ 0.50% · 4.625%
HK$13,044
+HK$653/mo
Deposit HK$1.54M · loan HK$2.32M · min. income ≈ HK$24,782/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$12,329
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,712
−HK$390/mo
Today · 4.125%
HK$13,102
baseline
▲ 0.50% · 4.625%
HK$13,899
+HK$797/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,204/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$13,715
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,083
−HK$373/mo
Today · 4.125%
HK$14,456
baseline
▲ 0.50% · 4.625%
HK$15,218
+HK$762/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,912/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$15,851
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,344
−HK$501/mo
Today · 4.125%
HK$16,845
baseline
▲ 0.50% · 4.625%
HK$17,870
+HK$1,025/mo
Deposit HK$386K · loan HK$3.48M · min. income ≈ HK$33,690/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$17,634
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,107
−HK$480/mo
Today · 4.125%
HK$18,587
baseline
▲ 0.50% · 4.625%
HK$19,567
+HK$980/mo
Deposit HK$386K · loan HK$3.48M · min. income ≈ HK$37,174/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).