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$8,770
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,043
−HK$277/mo
Today · 4.125%
HK$9,320
baseline
▲ 0.50% · 4.625%
HK$9,887
+HK$567/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,640/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$9,756
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,018
−HK$266/mo
Today · 4.125%
HK$10,284
baseline
▲ 0.50% · 4.625%
HK$10,826
+HK$542/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,568/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$10,524
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,851
−HK$333/mo
Today · 4.125%
HK$11,184
baseline
▲ 0.50% · 4.625%
HK$11,864
+HK$680/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,368/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$11,708
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,022
−HK$318/mo
Today · 4.125%
HK$12,340
baseline
▲ 0.50% · 4.625%
HK$12,991
+HK$651/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,680/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$12,278
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,660
−HK$388/mo
Today · 4.125%
HK$13,048
baseline
▲ 0.50% · 4.625%
HK$13,842
+HK$794/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,096/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$13,659
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,025
−HK$372/mo
Today · 4.125%
HK$14,397
baseline
▲ 0.50% · 4.625%
HK$15,156
+HK$759/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,794/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$15,786
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,277
−HK$499/mo
Today · 4.125%
HK$16,776
baseline
▲ 0.50% · 4.625%
HK$17,796
+HK$1,020/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$33,552/mo (50% DSR)
Upfront cash ≈ HK$385K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,562
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,033
−HK$477/mo
Today · 4.125%
HK$18,510
baseline
▲ 0.50% · 4.625%
HK$19,486
+HK$976/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$37,020/mo (50% DSR)
Upfront cash ≈ HK$385K (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).