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$8,719
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,990
−HK$276/mo
Today · 4.125%
HK$9,266
baseline
▲ 0.50% · 4.625%
HK$9,829
+HK$563/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,532/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,700
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,960
−HK$264/mo
Today · 4.125%
HK$10,224
baseline
▲ 0.50% · 4.625%
HK$10,763
+HK$539/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,448/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,463
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,788
−HK$331/mo
Today · 4.125%
HK$11,119
baseline
▲ 0.50% · 4.625%
HK$11,795
+HK$676/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,238/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$11,640
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,952
−HK$316/mo
Today · 4.125%
HK$12,268
baseline
▲ 0.50% · 4.625%
HK$12,915
+HK$647/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,536/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$12,206
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,586
−HK$386/mo
Today · 4.125%
HK$12,972
baseline
▲ 0.50% · 4.625%
HK$13,761
+HK$789/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,944/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$13,579
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,944
−HK$369/mo
Today · 4.125%
HK$14,313
baseline
▲ 0.50% · 4.625%
HK$15,068
+HK$755/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,626/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$15,694
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,182
−HK$496/mo
Today · 4.125%
HK$16,678
baseline
▲ 0.50% · 4.625%
HK$17,693
+HK$1,015/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,356/mo (50% DSR)
Upfront cash ≈ HK$382K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,459
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,928
−HK$475/mo
Today · 4.125%
HK$18,403
baseline
▲ 0.50% · 4.625%
HK$19,373
+HK$970/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,806/mo (50% DSR)
Upfront cash ≈ HK$382K (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).