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$8,734
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,006
−HK$276/mo
Today · 4.125%
HK$9,282
baseline
▲ 0.50% · 4.625%
HK$9,847
+HK$565/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,564/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$9,717
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,978
−HK$264/mo
Today · 4.125%
HK$10,242
baseline
▲ 0.50% · 4.625%
HK$10,782
+HK$540/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,484/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$10,481
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,807
−HK$332/mo
Today · 4.125%
HK$11,139
baseline
▲ 0.50% · 4.625%
HK$11,816
+HK$677/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,278/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$11,660
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,973
−HK$317/mo
Today · 4.125%
HK$12,290
baseline
▲ 0.50% · 4.625%
HK$12,938
+HK$648/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,580/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$12,228
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,609
−HK$386/mo
Today · 4.125%
HK$12,995
baseline
▲ 0.50% · 4.625%
HK$13,786
+HK$791/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,990/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$13,604
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,969
−HK$370/mo
Today · 4.125%
HK$14,339
baseline
▲ 0.50% · 4.625%
HK$15,095
+HK$756/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,678/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$15,722
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,211
−HK$497/mo
Today · 4.125%
HK$16,708
baseline
▲ 0.50% · 4.625%
HK$17,725
+HK$1,017/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$33,416/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$17,491
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,960
−HK$476/mo
Today · 4.125%
HK$18,436
baseline
▲ 0.50% · 4.625%
HK$19,407
+HK$971/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$36,872/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).