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$8,743
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,015
−HK$276/mo
Today · 4.125%
HK$9,291
baseline
▲ 0.50% · 4.625%
HK$9,856
+HK$565/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,582/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$9,726
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,987
−HK$265/mo
Today · 4.125%
HK$10,252
baseline
▲ 0.50% · 4.625%
HK$10,792
+HK$540/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,504/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$10,491
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,817
−HK$332/mo
Today · 4.125%
HK$11,149
baseline
▲ 0.50% · 4.625%
HK$11,827
+HK$678/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,298/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$11,671
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,984
−HK$318/mo
Today · 4.125%
HK$12,302
baseline
▲ 0.50% · 4.625%
HK$12,950
+HK$648/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,604/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$12,240
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,620
−HK$387/mo
Today · 4.125%
HK$13,007
baseline
▲ 0.50% · 4.625%
HK$13,799
+HK$792/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$26,014/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$13,617
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,982
−HK$370/mo
Today · 4.125%
HK$14,352
baseline
▲ 0.50% · 4.625%
HK$15,109
+HK$757/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,704/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$15,737
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,226
−HK$498/mo
Today · 4.125%
HK$16,724
baseline
▲ 0.50% · 4.625%
HK$17,741
+HK$1,017/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$33,448/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$17,507
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,976
−HK$477/mo
Today · 4.125%
HK$18,453
baseline
▲ 0.50% · 4.625%
HK$19,425
+HK$972/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$36,906/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).