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$8,720
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,992
−HK$275/mo
Today · 4.125%
HK$9,267
baseline
▲ 0.50% · 4.625%
HK$9,831
+HK$564/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,534/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$9,701
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,961
−HK$264/mo
Today · 4.125%
HK$10,225
baseline
▲ 0.50% · 4.625%
HK$10,764
+HK$539/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,450/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$10,464
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,790
−HK$331/mo
Today · 4.125%
HK$11,121
baseline
▲ 0.50% · 4.625%
HK$11,797
+HK$676/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,242/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$11,641
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,954
−HK$316/mo
Today · 4.125%
HK$12,270
baseline
▲ 0.50% · 4.625%
HK$12,917
+HK$647/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,540/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$12,208
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,588
−HK$386/mo
Today · 4.125%
HK$12,974
baseline
▲ 0.50% · 4.625%
HK$13,763
+HK$789/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,948/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$13,582
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,946
−HK$370/mo
Today · 4.125%
HK$14,316
baseline
▲ 0.50% · 4.625%
HK$15,070
+HK$754/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,632/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$15,697
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,185
−HK$496/mo
Today · 4.125%
HK$16,681
baseline
▲ 0.50% · 4.625%
HK$17,696
+HK$1,015/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,362/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$17,462
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,931
−HK$475/mo
Today · 4.125%
HK$18,406
baseline
▲ 0.50% · 4.625%
HK$19,376
+HK$970/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,812/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).