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$8,833
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,107
−HK$279/mo
Today · 4.125%
HK$9,386
baseline
▲ 0.50% · 4.625%
HK$9,958
+HK$572/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,772/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$9,826
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,090
−HK$267/mo
Today · 4.125%
HK$10,357
baseline
▲ 0.50% · 4.625%
HK$10,903
+HK$546/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,714/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$10,599
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,929
−HK$335/mo
Today · 4.125%
HK$11,264
baseline
▲ 0.50% · 4.625%
HK$11,949
+HK$685/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,528/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$11,791
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,108
−HK$320/mo
Today · 4.125%
HK$12,428
baseline
▲ 0.50% · 4.625%
HK$13,083
+HK$655/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,856/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$12,366
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,750
−HK$391/mo
Today · 4.125%
HK$13,141
baseline
▲ 0.50% · 4.625%
HK$13,941
+HK$800/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,282/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$13,756
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,125
−HK$375/mo
Today · 4.125%
HK$14,500
baseline
▲ 0.50% · 4.625%
HK$15,264
+HK$764/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$29,000/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$15,899
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,393
−HK$502/mo
Today · 4.125%
HK$16,895
baseline
▲ 0.50% · 4.625%
HK$17,924
+HK$1,029/mo
Deposit HK$387K · loan HK$3.49M · min. income ≈ HK$33,790/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$17,687
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,161
−HK$481/mo
Today · 4.125%
HK$18,642
baseline
▲ 0.50% · 4.625%
HK$19,625
+HK$983/mo
Deposit HK$387K · loan HK$3.49M · min. income ≈ HK$37,284/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).