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$8,727
−HK$548/mo
▼ 0.25% · 3.875%
HK$8,999
−HK$276/mo
Today · 4.125%
HK$9,275
baseline
▲ 0.50% · 4.625%
HK$9,839
+HK$564/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,550/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$9,709
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,970
−HK$264/mo
Today · 4.125%
HK$10,234
baseline
▲ 0.50% · 4.625%
HK$10,773
+HK$539/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,468/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$10,473
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,799
−HK$331/mo
Today · 4.125%
HK$11,130
baseline
▲ 0.50% · 4.625%
HK$11,807
+HK$677/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,260/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$11,651
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,963
−HK$317/mo
Today · 4.125%
HK$12,280
baseline
▲ 0.50% · 4.625%
HK$12,928
+HK$648/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,560/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$12,218
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,598
−HK$387/mo
Today · 4.125%
HK$12,985
baseline
▲ 0.50% · 4.625%
HK$13,775
+HK$790/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,970/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$13,593
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,957
−HK$370/mo
Today · 4.125%
HK$14,327
baseline
▲ 0.50% · 4.625%
HK$15,082
+HK$755/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,654/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$15,709
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,198
−HK$496/mo
Today · 4.125%
HK$16,694
baseline
▲ 0.50% · 4.625%
HK$17,710
+HK$1,016/mo
Deposit HK$383K · loan HK$3.44M · min. income ≈ HK$33,388/mo (50% DSR)
Upfront cash ≈ HK$383K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,476
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,945
−HK$476/mo
Today · 4.125%
HK$18,421
baseline
▲ 0.50% · 4.625%
HK$19,392
+HK$971/mo
Deposit HK$383K · loan HK$3.44M · min. income ≈ HK$36,842/mo (50% DSR)
Upfront cash ≈ HK$383K (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).