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$8,828
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,103
−HK$279/mo
Today · 4.125%
HK$9,382
baseline
▲ 0.50% · 4.625%
HK$9,953
+HK$571/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,764/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$9,821
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,085
−HK$267/mo
Today · 4.125%
HK$10,352
baseline
▲ 0.50% · 4.625%
HK$10,898
+HK$546/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,704/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$10,594
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,923
−HK$335/mo
Today · 4.125%
HK$11,258
baseline
▲ 0.50% · 4.625%
HK$11,943
+HK$685/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,516/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$11,786
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,102
−HK$320/mo
Today · 4.125%
HK$12,422
baseline
▲ 0.50% · 4.625%
HK$13,077
+HK$655/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,844/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$12,360
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,744
−HK$391/mo
Today · 4.125%
HK$13,135
baseline
▲ 0.50% · 4.625%
HK$13,934
+HK$799/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,270/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$13,750
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,119
−HK$374/mo
Today · 4.125%
HK$14,493
baseline
▲ 0.50% · 4.625%
HK$15,257
+HK$764/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,986/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$15,891
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,385
−HK$502/mo
Today · 4.125%
HK$16,887
baseline
▲ 0.50% · 4.625%
HK$17,915
+HK$1,028/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$33,774/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$17,678
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,153
−HK$481/mo
Today · 4.125%
HK$18,634
baseline
▲ 0.50% · 4.625%
HK$19,616
+HK$982/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$37,268/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).