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$8,823
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,097
−HK$279/mo
Today · 4.125%
HK$9,376
baseline
▲ 0.50% · 4.625%
HK$9,946
+HK$570/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,752/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$9,815
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,078
−HK$267/mo
Today · 4.125%
HK$10,345
baseline
▲ 0.50% · 4.625%
HK$10,891
+HK$546/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,690/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$10,587
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,916
−HK$335/mo
Today · 4.125%
HK$11,251
baseline
▲ 0.50% · 4.625%
HK$11,936
+HK$685/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,502/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$11,778
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,094
−HK$320/mo
Today · 4.125%
HK$12,414
baseline
▲ 0.50% · 4.625%
HK$13,069
+HK$655/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,828/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$12,352
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,736
−HK$390/mo
Today · 4.125%
HK$13,126
baseline
▲ 0.50% · 4.625%
HK$13,925
+HK$799/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,252/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$13,741
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,110
−HK$373/mo
Today · 4.125%
HK$14,483
baseline
▲ 0.50% · 4.625%
HK$15,247
+HK$764/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,966/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$15,881
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,375
−HK$502/mo
Today · 4.125%
HK$16,877
baseline
▲ 0.50% · 4.625%
HK$17,903
+HK$1,026/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$33,754/mo (50% DSR)
Upfront cash ≈ HK$387K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,667
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,141
−HK$481/mo
Today · 4.125%
HK$18,622
baseline
▲ 0.50% · 4.625%
HK$19,603
+HK$981/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$37,244/mo (50% DSR)
Upfront cash ≈ HK$387K (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).