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$8,744
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,016
−HK$276/mo
Today · 4.125%
HK$9,292
baseline
▲ 0.50% · 4.625%
HK$9,858
+HK$566/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,584/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$9,727
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,988
−HK$265/mo
Today · 4.125%
HK$10,253
baseline
▲ 0.50% · 4.625%
HK$10,793
+HK$540/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,506/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$10,493
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,819
−HK$332/mo
Today · 4.125%
HK$11,151
baseline
▲ 0.50% · 4.625%
HK$11,829
+HK$678/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,302/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$11,673
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,986
−HK$318/mo
Today · 4.125%
HK$12,304
baseline
▲ 0.50% · 4.625%
HK$12,952
+HK$648/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,608/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$12,241
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,622
−HK$387/mo
Today · 4.125%
HK$13,009
baseline
▲ 0.50% · 4.625%
HK$13,801
+HK$792/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$26,018/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$13,618
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,984
−HK$370/mo
Today · 4.125%
HK$14,354
baseline
▲ 0.50% · 4.625%
HK$15,111
+HK$757/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,708/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$15,739
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,228
−HK$498/mo
Today · 4.125%
HK$16,726
baseline
▲ 0.50% · 4.625%
HK$17,744
+HK$1,018/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$33,452/mo (50% DSR)
Upfront cash ≈ HK$384K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,509
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,979
−HK$476/mo
Today · 4.125%
HK$18,455
baseline
▲ 0.50% · 4.625%
HK$19,428
+HK$973/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$36,910/mo (50% DSR)
Upfront cash ≈ HK$384K (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).