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$8,724
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,995
−HK$276/mo
Today · 4.125%
HK$9,271
baseline
▲ 0.50% · 4.625%
HK$9,835
+HK$564/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,542/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$9,705
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,966
−HK$264/mo
Today · 4.125%
HK$10,230
baseline
▲ 0.50% · 4.625%
HK$10,769
+HK$539/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,460/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$10,469
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,795
−HK$330/mo
Today · 4.125%
HK$11,125
baseline
▲ 0.50% · 4.625%
HK$11,802
+HK$677/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,250/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$11,647
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,959
−HK$317/mo
Today · 4.125%
HK$12,276
baseline
▲ 0.50% · 4.625%
HK$12,923
+HK$647/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,552/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$12,214
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,594
−HK$386/mo
Today · 4.125%
HK$12,980
baseline
▲ 0.50% · 4.625%
HK$13,769
+HK$789/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,960/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$13,588
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,952
−HK$370/mo
Today · 4.125%
HK$14,322
baseline
▲ 0.50% · 4.625%
HK$15,077
+HK$755/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,644/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$15,703
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,192
−HK$496/mo
Today · 4.125%
HK$16,688
baseline
▲ 0.50% · 4.625%
HK$17,704
+HK$1,016/mo
Deposit HK$383K · loan HK$3.44M · min. income ≈ HK$33,376/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$17,470
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,938
−HK$476/mo
Today · 4.125%
HK$18,414
baseline
▲ 0.50% · 4.625%
HK$19,384
+HK$970/mo
Deposit HK$383K · loan HK$3.44M · min. income ≈ HK$36,828/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).