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$9,855
+HK$565/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$9,725
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,986
−HK$264/mo
Today · 4.125%
HK$10,250
baseline
▲ 0.50% · 4.625%
HK$10,791
+HK$541/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,500/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$10,490
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,816
−HK$332/mo
Today · 4.125%
HK$11,148
baseline
▲ 0.50% · 4.625%
HK$11,826
+HK$678/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$11,670
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,983
−HK$317/mo
Today · 4.125%
HK$12,300
baseline
▲ 0.50% · 4.625%
HK$12,949
+HK$649/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,600/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$12,238
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,619
−HK$387/mo
Today · 4.125%
HK$13,006
baseline
▲ 0.50% · 4.625%
HK$13,797
+HK$791/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$26,012/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$13,615
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,980
−HK$371/mo
Today · 4.125%
HK$14,351
baseline
▲ 0.50% · 4.625%
HK$15,107
+HK$756/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$15,735
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,224
−HK$498/mo
Today · 4.125%
HK$16,722
baseline
▲ 0.50% · 4.625%
HK$17,739
+HK$1,017/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$33,444/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$17,505
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,974
−HK$477/mo
Today · 4.125%
HK$18,451
baseline
▲ 0.50% · 4.625%
HK$19,423
+HK$972/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$36,902/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).