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$8,860
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,136
−HK$280/mo
Today · 4.125%
HK$9,416
baseline
▲ 0.50% · 4.625%
HK$9,989
+HK$573/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,832/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$9,857
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,121
−HK$269/mo
Today · 4.125%
HK$10,390
baseline
▲ 0.50% · 4.625%
HK$10,937
+HK$547/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,780/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$10,632
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,963
−HK$336/mo
Today · 4.125%
HK$11,299
baseline
▲ 0.50% · 4.625%
HK$11,987
+HK$688/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,598/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$11,828
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,146
−HK$322/mo
Today · 4.125%
HK$12,468
baseline
▲ 0.50% · 4.625%
HK$13,125
+HK$657/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,936/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$12,405
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,790
−HK$392/mo
Today · 4.125%
HK$13,182
baseline
▲ 0.50% · 4.625%
HK$13,984
+HK$802/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$26,364/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,800
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,170
−HK$375/mo
Today · 4.125%
HK$14,545
baseline
▲ 0.50% · 4.625%
HK$15,312
+HK$767/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$29,090/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,949
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,445
−HK$504/mo
Today · 4.125%
HK$16,949
baseline
▲ 0.50% · 4.625%
HK$17,980
+HK$1,031/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$33,898/mo (50% DSR)
Upfront cash ≈ HK$389K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,743
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,219
−HK$482/mo
Today · 4.125%
HK$18,701
baseline
▲ 0.50% · 4.625%
HK$19,687
+HK$986/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,402/mo (50% DSR)
Upfront cash ≈ HK$389K (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).