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$8,699
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,970
−HK$275/mo
Today · 4.125%
HK$9,245
baseline
▲ 0.50% · 4.625%
HK$9,807
+HK$562/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,490/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$9,678
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,937
−HK$264/mo
Today · 4.125%
HK$10,201
baseline
▲ 0.50% · 4.625%
HK$10,738
+HK$537/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,402/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$10,439
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,764
−HK$330/mo
Today · 4.125%
HK$11,094
baseline
▲ 0.50% · 4.625%
HK$11,769
+HK$675/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,188/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$11,613
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,925
−HK$316/mo
Today · 4.125%
HK$12,241
baseline
▲ 0.50% · 4.625%
HK$12,886
+HK$645/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,482/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$12,179
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,558
−HK$385/mo
Today · 4.125%
HK$12,943
baseline
▲ 0.50% · 4.625%
HK$13,730
+HK$787/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$25,886/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$13,549
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,912
−HK$369/mo
Today · 4.125%
HK$14,281
baseline
▲ 0.50% · 4.625%
HK$15,034
+HK$753/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$28,562/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$15,659
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,146
−HK$494/mo
Today · 4.125%
HK$16,640
baseline
▲ 0.50% · 4.625%
HK$17,653
+HK$1,013/mo
Deposit HK$382K · loan HK$3.43M · min. income ≈ HK$33,280/mo (50% DSR)
Upfront cash ≈ HK$382K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,420
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,887
−HK$474/mo
Today · 4.125%
HK$18,361
baseline
▲ 0.50% · 4.625%
HK$19,329
+HK$968/mo
Deposit HK$382K · loan HK$3.43M · min. income ≈ HK$36,722/mo (50% DSR)
Upfront cash ≈ HK$382K (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).