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$8,835
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,110
−HK$279/mo
Today · 4.125%
HK$9,389
baseline
▲ 0.50% · 4.625%
HK$9,960
+HK$571/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,778/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,829
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,092
−HK$268/mo
Today · 4.125%
HK$10,360
baseline
▲ 0.50% · 4.625%
HK$10,906
+HK$546/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,720/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,602
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,932
−HK$335/mo
Today · 4.125%
HK$11,267
baseline
▲ 0.50% · 4.625%
HK$11,952
+HK$685/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,534/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$11,794
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,111
−HK$321/mo
Today · 4.125%
HK$12,432
baseline
▲ 0.50% · 4.625%
HK$13,087
+HK$655/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,864/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$12,369
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,754
−HK$390/mo
Today · 4.125%
HK$13,144
baseline
▲ 0.50% · 4.625%
HK$13,944
+HK$800/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,288/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$13,760
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,129
−HK$375/mo
Today · 4.125%
HK$14,504
baseline
▲ 0.50% · 4.625%
HK$15,268
+HK$764/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$29,008/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$15,903
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,397
−HK$503/mo
Today · 4.125%
HK$16,900
baseline
▲ 0.50% · 4.625%
HK$17,928
+HK$1,028/mo
Deposit HK$387K · loan HK$3.49M · min. income ≈ HK$33,800/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,692
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,166
−HK$481/mo
Today · 4.125%
HK$18,647
baseline
▲ 0.50% · 4.625%
HK$19,630
+HK$983/mo
Deposit HK$387K · loan HK$3.49M · min. income ≈ HK$37,294/mo (50% DSR)
Upfront cash ≈ HK$388K (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).