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$8,795
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,068
−HK$278/mo
Today · 4.125%
HK$9,346
baseline
▲ 0.50% · 4.625%
HK$9,915
+HK$569/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,692/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$9,784
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,046
−HK$266/mo
Today · 4.125%
HK$10,312
baseline
▲ 0.50% · 4.625%
HK$10,856
+HK$544/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,624/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$10,553
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,882
−HK$333/mo
Today · 4.125%
HK$11,215
baseline
▲ 0.50% · 4.625%
HK$11,898
+HK$683/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,430/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$11,741
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,055
−HK$320/mo
Today · 4.125%
HK$12,375
baseline
▲ 0.50% · 4.625%
HK$13,027
+HK$652/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,750/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$12,312
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,695
−HK$389/mo
Today · 4.125%
HK$13,084
baseline
▲ 0.50% · 4.625%
HK$13,881
+HK$797/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,168/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$13,697
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,065
−HK$372/mo
Today · 4.125%
HK$14,437
baseline
▲ 0.50% · 4.625%
HK$15,198
+HK$761/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,874/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$15,830
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,323
−HK$500/mo
Today · 4.125%
HK$16,823
baseline
▲ 0.50% · 4.625%
HK$17,846
+HK$1,023/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$33,646/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$17,611
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,083
−HK$479/mo
Today · 4.125%
HK$18,562
baseline
▲ 0.50% · 4.625%
HK$19,541
+HK$979/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$37,124/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).