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$8,767
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,040
−HK$277/mo
Today · 4.125%
HK$9,317
baseline
▲ 0.50% · 4.625%
HK$9,884
+HK$567/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,634/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$9,753
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,015
−HK$265/mo
Today · 4.125%
HK$10,280
baseline
▲ 0.50% · 4.625%
HK$10,822
+HK$542/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,560/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$10,521
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,848
−HK$332/mo
Today · 4.125%
HK$11,180
baseline
▲ 0.50% · 4.625%
HK$11,861
+HK$681/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,360/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,704
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,018
−HK$318/mo
Today · 4.125%
HK$12,336
baseline
▲ 0.50% · 4.625%
HK$12,987
+HK$651/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,672/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,274
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,656
−HK$388/mo
Today · 4.125%
HK$13,044
baseline
▲ 0.50% · 4.625%
HK$13,837
+HK$793/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,088/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$13,655
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,021
−HK$372/mo
Today · 4.125%
HK$14,393
baseline
▲ 0.50% · 4.625%
HK$15,151
+HK$758/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,786/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$15,781
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,272
−HK$499/mo
Today · 4.125%
HK$16,771
baseline
▲ 0.50% · 4.625%
HK$17,791
+HK$1,020/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$33,542/mo (50% DSR)
Upfront cash ≈ HK$385K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,556
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,027
−HK$478/mo
Today · 4.125%
HK$18,505
baseline
▲ 0.50% · 4.625%
HK$19,480
+HK$975/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$37,010/mo (50% DSR)
Upfront cash ≈ HK$385K (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).