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$8,694
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,965
−HK$274/mo
Today · 4.125%
HK$9,239
baseline
▲ 0.50% · 4.625%
HK$9,802
+HK$563/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,478/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$9,672
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,932
−HK$263/mo
Today · 4.125%
HK$10,195
baseline
▲ 0.50% · 4.625%
HK$10,732
+HK$537/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,390/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$10,433
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,757
−HK$330/mo
Today · 4.125%
HK$11,087
baseline
▲ 0.50% · 4.625%
HK$11,762
+HK$675/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,174/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$11,607
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,918
−HK$316/mo
Today · 4.125%
HK$12,234
baseline
▲ 0.50% · 4.625%
HK$12,878
+HK$644/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,468/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$12,172
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,550
−HK$385/mo
Today · 4.125%
HK$12,935
baseline
▲ 0.50% · 4.625%
HK$13,722
+HK$787/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$25,870/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,541
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,904
−HK$369/mo
Today · 4.125%
HK$14,273
baseline
▲ 0.50% · 4.625%
HK$15,025
+HK$752/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$28,546/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,649
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,136
−HK$495/mo
Today · 4.125%
HK$16,631
baseline
▲ 0.50% · 4.625%
HK$17,643
+HK$1,012/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$33,262/mo (50% DSR)
Upfront cash ≈ HK$381K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,410
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,877
−HK$473/mo
Today · 4.125%
HK$18,350
baseline
▲ 0.50% · 4.625%
HK$19,318
+HK$968/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$36,700/mo (50% DSR)
Upfront cash ≈ HK$381K (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).