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$8,803
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,077
−HK$278/mo
Today · 4.125%
HK$9,355
baseline
▲ 0.50% · 4.625%
HK$9,924
+HK$569/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,710/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$9,793
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,056
−HK$266/mo
Today · 4.125%
HK$10,322
baseline
▲ 0.50% · 4.625%
HK$10,866
+HK$544/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,644/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$10,564
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,892
−HK$334/mo
Today · 4.125%
HK$11,226
baseline
▲ 0.50% · 4.625%
HK$11,909
+HK$683/mo
Deposit HK$1.54M · loan HK$2.32M · min. income ≈ HK$22,452/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$11,752
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,067
−HK$320/mo
Today · 4.125%
HK$12,387
baseline
▲ 0.50% · 4.625%
HK$13,040
+HK$653/mo
Deposit HK$1.54M · loan HK$2.32M · min. income ≈ HK$24,774/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$12,324
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,708
−HK$389/mo
Today · 4.125%
HK$13,097
baseline
▲ 0.50% · 4.625%
HK$13,894
+HK$797/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,194/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$13,711
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,078
−HK$373/mo
Today · 4.125%
HK$14,451
baseline
▲ 0.50% · 4.625%
HK$15,213
+HK$762/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,902/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$15,845
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,338
−HK$501/mo
Today · 4.125%
HK$16,839
baseline
▲ 0.50% · 4.625%
HK$17,864
+HK$1,025/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$33,678/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$17,628
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,101
−HK$479/mo
Today · 4.125%
HK$18,580
baseline
▲ 0.50% · 4.625%
HK$19,560
+HK$980/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$37,160/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).