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$8,712
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,983
−HK$275/mo
Today · 4.125%
HK$9,258
baseline
▲ 0.50% · 4.625%
HK$9,821
+HK$563/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,516/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,692
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,952
−HK$263/mo
Today · 4.125%
HK$10,215
baseline
▲ 0.50% · 4.625%
HK$10,754
+HK$539/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,430/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,454
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,779
−HK$331/mo
Today · 4.125%
HK$11,110
baseline
▲ 0.50% · 4.625%
HK$11,786
+HK$676/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,220/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,630
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,942
−HK$317/mo
Today · 4.125%
HK$12,259
baseline
▲ 0.50% · 4.625%
HK$12,905
+HK$646/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,518/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,197
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,576
−HK$385/mo
Today · 4.125%
HK$12,961
baseline
▲ 0.50% · 4.625%
HK$13,750
+HK$789/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$25,922/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,569
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,932
−HK$370/mo
Today · 4.125%
HK$14,302
baseline
▲ 0.50% · 4.625%
HK$15,055
+HK$753/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$28,604/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,681
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,169
−HK$496/mo
Today · 4.125%
HK$16,665
baseline
▲ 0.50% · 4.625%
HK$17,679
+HK$1,014/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,330/mo (50% DSR)
Upfront cash ≈ HK$382K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,445
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,913
−HK$475/mo
Today · 4.125%
HK$18,388
baseline
▲ 0.50% · 4.625%
HK$19,357
+HK$969/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,776/mo (50% DSR)
Upfront cash ≈ HK$382K (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).