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$8,742
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,014
−HK$276/mo
Today · 4.125%
HK$9,290
baseline
▲ 0.50% · 4.625%
HK$9,856
+HK$566/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,580/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$9,726
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,986
−HK$265/mo
Today · 4.125%
HK$10,251
baseline
▲ 0.50% · 4.625%
HK$10,791
+HK$540/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,502/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$10,491
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,817
−HK$331/mo
Today · 4.125%
HK$11,148
baseline
▲ 0.50% · 4.625%
HK$11,827
+HK$679/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,296/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$11,671
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,984
−HK$317/mo
Today · 4.125%
HK$12,301
baseline
▲ 0.50% · 4.625%
HK$12,950
+HK$649/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,602/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$12,239
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,620
−HK$387/mo
Today · 4.125%
HK$13,007
baseline
▲ 0.50% · 4.625%
HK$13,798
+HK$791/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$26,014/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$13,616
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,981
−HK$370/mo
Today · 4.125%
HK$14,351
baseline
▲ 0.50% · 4.625%
HK$15,108
+HK$757/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,702/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$15,736
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,225
−HK$498/mo
Today · 4.125%
HK$16,723
baseline
▲ 0.50% · 4.625%
HK$17,740
+HK$1,017/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$33,446/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$17,506
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,976
−HK$476/mo
Today · 4.125%
HK$18,452
baseline
▲ 0.50% · 4.625%
HK$19,425
+HK$973/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$36,904/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).