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$8,776
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,049
−HK$278/mo
Today · 4.125%
HK$9,327
baseline
▲ 0.50% · 4.625%
HK$9,894
+HK$567/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,654/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,764
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,026
−HK$265/mo
Today · 4.125%
HK$10,291
baseline
▲ 0.50% · 4.625%
HK$10,834
+HK$543/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,582/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,532
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,859
−HK$333/mo
Today · 4.125%
HK$11,192
baseline
▲ 0.50% · 4.625%
HK$11,873
+HK$681/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,384/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$11,717
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,031
−HK$319/mo
Today · 4.125%
HK$12,350
baseline
▲ 0.50% · 4.625%
HK$13,000
+HK$650/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,700/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$12,287
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,669
−HK$389/mo
Today · 4.125%
HK$13,058
baseline
▲ 0.50% · 4.625%
HK$13,852
+HK$794/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,116/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$13,669
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,036
−HK$372/mo
Today · 4.125%
HK$14,408
baseline
▲ 0.50% · 4.625%
HK$15,167
+HK$759/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,816/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$15,798
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,289
−HK$499/mo
Today · 4.125%
HK$16,788
baseline
▲ 0.50% · 4.625%
HK$17,810
+HK$1,022/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$33,576/mo (50% DSR)
Upfront cash ≈ HK$385K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,575
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,046
−HK$478/mo
Today · 4.125%
HK$18,524
baseline
▲ 0.50% · 4.625%
HK$19,501
+HK$977/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$37,048/mo (50% DSR)
Upfront cash ≈ HK$385K (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).