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$8,730
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,002
−HK$276/mo
Today · 4.125%
HK$9,278
baseline
▲ 0.50% · 4.625%
HK$9,842
+HK$564/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,556/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$9,712
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,973
−HK$264/mo
Today · 4.125%
HK$10,237
baseline
▲ 0.50% · 4.625%
HK$10,777
+HK$540/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,474/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$10,476
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,802
−HK$331/mo
Today · 4.125%
HK$11,133
baseline
▲ 0.50% · 4.625%
HK$11,811
+HK$678/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,266/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$11,655
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,967
−HK$318/mo
Today · 4.125%
HK$12,285
baseline
▲ 0.50% · 4.625%
HK$12,932
+HK$647/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,570/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$12,222
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,603
−HK$386/mo
Today · 4.125%
HK$12,989
baseline
▲ 0.50% · 4.625%
HK$13,779
+HK$790/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,978/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$13,597
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,962
−HK$370/mo
Today · 4.125%
HK$14,332
baseline
▲ 0.50% · 4.625%
HK$15,087
+HK$755/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,664/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$15,715
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,203
−HK$497/mo
Today · 4.125%
HK$16,700
baseline
▲ 0.50% · 4.625%
HK$17,716
+HK$1,016/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$33,400/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$17,482
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,951
−HK$476/mo
Today · 4.125%
HK$18,427
baseline
▲ 0.50% · 4.625%
HK$19,398
+HK$971/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$36,854/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).