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$8,832
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,106
−HK$279/mo
Today · 4.125%
HK$9,385
baseline
▲ 0.50% · 4.625%
HK$9,957
+HK$572/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,770/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$9,825
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,089
−HK$267/mo
Today · 4.125%
HK$10,356
baseline
▲ 0.50% · 4.625%
HK$10,902
+HK$546/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,712/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$10,598
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,928
−HK$335/mo
Today · 4.125%
HK$11,263
baseline
▲ 0.50% · 4.625%
HK$11,948
+HK$685/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,526/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$11,790
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,106
−HK$321/mo
Today · 4.125%
HK$12,427
baseline
▲ 0.50% · 4.625%
HK$13,082
+HK$655/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,854/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$12,364
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,749
−HK$391/mo
Today · 4.125%
HK$13,140
baseline
▲ 0.50% · 4.625%
HK$13,939
+HK$799/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,280/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$13,755
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,124
−HK$374/mo
Today · 4.125%
HK$14,498
baseline
▲ 0.50% · 4.625%
HK$15,263
+HK$765/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,996/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$15,897
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,391
−HK$503/mo
Today · 4.125%
HK$16,894
baseline
▲ 0.50% · 4.625%
HK$17,922
+HK$1,028/mo
Deposit HK$387K · loan HK$3.49M · min. income ≈ HK$33,788/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$17,685
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,160
−HK$481/mo
Today · 4.125%
HK$18,641
baseline
▲ 0.50% · 4.625%
HK$19,623
+HK$982/mo
Deposit HK$387K · loan HK$3.49M · min. income ≈ HK$37,282/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).