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$8,771
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,044
−HK$277/mo
Today · 4.125%
HK$9,321
baseline
▲ 0.50% · 4.625%
HK$9,888
+HK$567/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,642/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$9,757
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,019
−HK$265/mo
Today · 4.125%
HK$10,284
baseline
▲ 0.50% · 4.625%
HK$10,827
+HK$543/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,568/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$10,525
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,852
−HK$333/mo
Today · 4.125%
HK$11,185
baseline
▲ 0.50% · 4.625%
HK$11,865
+HK$680/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,370/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$11,709
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,023
−HK$318/mo
Today · 4.125%
HK$12,341
baseline
▲ 0.50% · 4.625%
HK$12,992
+HK$651/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,682/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$12,279
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,661
−HK$388/mo
Today · 4.125%
HK$13,049
baseline
▲ 0.50% · 4.625%
HK$13,843
+HK$794/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,098/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$13,660
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,027
−HK$371/mo
Today · 4.125%
HK$14,398
baseline
▲ 0.50% · 4.625%
HK$15,157
+HK$759/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,796/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$15,787
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,278
−HK$499/mo
Today · 4.125%
HK$16,777
baseline
▲ 0.50% · 4.625%
HK$17,798
+HK$1,021/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$33,554/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$17,563
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,034
−HK$478/mo
Today · 4.125%
HK$18,512
baseline
▲ 0.50% · 4.625%
HK$19,488
+HK$976/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$37,024/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).