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$8,818
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,093
−HK$278/mo
Today · 4.125%
HK$9,371
baseline
▲ 0.50% · 4.625%
HK$9,941
+HK$570/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,742/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$9,810
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,073
−HK$267/mo
Today · 4.125%
HK$10,340
baseline
▲ 0.50% · 4.625%
HK$10,885
+HK$545/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,680/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$10,582
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,911
−HK$334/mo
Today · 4.125%
HK$11,245
baseline
▲ 0.50% · 4.625%
HK$11,930
+HK$685/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,490/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$11,772
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,088
−HK$320/mo
Today · 4.125%
HK$12,408
baseline
▲ 0.50% · 4.625%
HK$13,062
+HK$654/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,816/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$12,346
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,730
−HK$390/mo
Today · 4.125%
HK$13,120
baseline
▲ 0.50% · 4.625%
HK$13,918
+HK$798/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,240/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$13,734
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,103
−HK$373/mo
Today · 4.125%
HK$14,476
baseline
▲ 0.50% · 4.625%
HK$15,239
+HK$763/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,952/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$15,873
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,367
−HK$501/mo
Today · 4.125%
HK$16,868
baseline
▲ 0.50% · 4.625%
HK$17,895
+HK$1,027/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$33,736/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$17,658
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,132
−HK$480/mo
Today · 4.125%
HK$18,612
baseline
▲ 0.50% · 4.625%
HK$19,593
+HK$981/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$37,224/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).