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$8,743
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,015
−HK$276/mo
Today · 4.125%
HK$9,291
baseline
▲ 0.50% · 4.625%
HK$9,857
+HK$566/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,582/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$525/mo
▼ 0.25% · 3.875%
HK$9,988
−HK$264/mo
Today · 4.125%
HK$10,252
baseline
▲ 0.50% · 4.625%
HK$10,793
+HK$541/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,504/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$10,492
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,818
−HK$332/mo
Today · 4.125%
HK$11,150
baseline
▲ 0.50% · 4.625%
HK$11,828
+HK$678/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,300/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$11,672
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,985
−HK$318/mo
Today · 4.125%
HK$12,303
baseline
▲ 0.50% · 4.625%
HK$12,951
+HK$648/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,606/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$12,240
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,621
−HK$387/mo
Today · 4.125%
HK$13,008
baseline
▲ 0.50% · 4.625%
HK$13,800
+HK$792/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$26,016/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$13,617
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,983
−HK$370/mo
Today · 4.125%
HK$14,353
baseline
▲ 0.50% · 4.625%
HK$15,110
+HK$757/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,706/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$15,738
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,227
−HK$498/mo
Today · 4.125%
HK$16,725
baseline
▲ 0.50% · 4.625%
HK$17,742
+HK$1,017/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$33,450/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$17,508
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,978
−HK$476/mo
Today · 4.125%
HK$18,454
baseline
▲ 0.50% · 4.625%
HK$19,427
+HK$973/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$36,908/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).