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$8,738
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,010
−HK$276/mo
Today · 4.125%
HK$9,286
baseline
▲ 0.50% · 4.625%
HK$9,851
+HK$565/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,572/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$9,721
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,982
−HK$264/mo
Today · 4.125%
HK$10,246
baseline
▲ 0.50% · 4.625%
HK$10,786
+HK$540/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,492/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$10,486
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,812
−HK$331/mo
Today · 4.125%
HK$11,143
baseline
▲ 0.50% · 4.625%
HK$11,821
+HK$678/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,286/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$11,665
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,978
−HK$318/mo
Today · 4.125%
HK$12,296
baseline
▲ 0.50% · 4.625%
HK$12,944
+HK$648/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,592/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$12,233
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,614
−HK$387/mo
Today · 4.125%
HK$13,001
baseline
▲ 0.50% · 4.625%
HK$13,792
+HK$791/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$26,002/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$13,610
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,975
−HK$370/mo
Today · 4.125%
HK$14,345
baseline
▲ 0.50% · 4.625%
HK$15,101
+HK$756/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,690/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$15,729
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,218
−HK$497/mo
Today · 4.125%
HK$16,715
baseline
▲ 0.50% · 4.625%
HK$17,732
+HK$1,017/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$33,430/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$17,498
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,967
−HK$476/mo
Today · 4.125%
HK$18,443
baseline
▲ 0.50% · 4.625%
HK$19,416
+HK$973/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$36,886/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).