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$8,752
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,025
−HK$276/mo
Today · 4.125%
HK$9,301
baseline
▲ 0.50% · 4.625%
HK$9,867
+HK$566/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,602/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$9,737
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,998
−HK$265/mo
Today · 4.125%
HK$10,263
baseline
▲ 0.50% · 4.625%
HK$10,804
+HK$541/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,526/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$10,503
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,830
−HK$331/mo
Today · 4.125%
HK$11,161
baseline
▲ 0.50% · 4.625%
HK$11,841
+HK$680/mo
Deposit HK$1.54M · loan HK$2.30M · min. income ≈ HK$22,322/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$11,684
−HK$632/mo
▼ 0.25% · 3.875%
HK$11,998
−HK$318/mo
Today · 4.125%
HK$12,316
baseline
▲ 0.50% · 4.625%
HK$12,965
+HK$649/mo
Deposit HK$1.54M · loan HK$2.30M · min. income ≈ HK$24,632/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$12,253
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,634
−HK$388/mo
Today · 4.125%
HK$13,022
baseline
▲ 0.50% · 4.625%
HK$13,814
+HK$792/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,044/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$13,632
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,997
−HK$371/mo
Today · 4.125%
HK$14,368
baseline
▲ 0.50% · 4.625%
HK$15,126
+HK$758/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,736/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$15,754
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,244
−HK$498/mo
Today · 4.125%
HK$16,742
baseline
▲ 0.50% · 4.625%
HK$17,761
+HK$1,019/mo
Deposit HK$384K · loan HK$3.45M · min. income ≈ HK$33,484/mo (50% DSR)
Upfront cash ≈ HK$384K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,526
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,996
−HK$477/mo
Today · 4.125%
HK$18,473
baseline
▲ 0.50% · 4.625%
HK$19,447
+HK$974/mo
Deposit HK$384K · loan HK$3.45M · min. income ≈ HK$36,946/mo (50% DSR)
Upfront cash ≈ HK$384K (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).