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$8,719
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,990
−HK$275/mo
Today · 4.125%
HK$9,265
baseline
▲ 0.50% · 4.625%
HK$9,829
+HK$564/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,530/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$9,699
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,959
−HK$264/mo
Today · 4.125%
HK$10,223
baseline
▲ 0.50% · 4.625%
HK$10,762
+HK$539/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,446/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$10,462
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,788
−HK$330/mo
Today · 4.125%
HK$11,118
baseline
▲ 0.50% · 4.625%
HK$11,795
+HK$677/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,236/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$11,639
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,951
−HK$317/mo
Today · 4.125%
HK$12,268
baseline
▲ 0.50% · 4.625%
HK$12,915
+HK$647/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,536/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$12,206
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,586
−HK$385/mo
Today · 4.125%
HK$12,971
baseline
▲ 0.50% · 4.625%
HK$13,761
+HK$790/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,942/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$13,579
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,943
−HK$370/mo
Today · 4.125%
HK$14,313
baseline
▲ 0.50% · 4.625%
HK$15,067
+HK$754/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,626/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$15,693
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,182
−HK$495/mo
Today · 4.125%
HK$16,677
baseline
▲ 0.50% · 4.625%
HK$17,692
+HK$1,015/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,354/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$17,459
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,927
−HK$475/mo
Today · 4.125%
HK$18,402
baseline
▲ 0.50% · 4.625%
HK$19,372
+HK$970/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,804/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).