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$8,764
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,037
−HK$277/mo
Today · 4.125%
HK$9,314
baseline
▲ 0.50% · 4.625%
HK$9,881
+HK$567/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,628/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$9,750
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,012
−HK$265/mo
Today · 4.125%
HK$10,277
baseline
▲ 0.50% · 4.625%
HK$10,819
+HK$542/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,554/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$10,517
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,844
−HK$333/mo
Today · 4.125%
HK$11,177
baseline
▲ 0.50% · 4.625%
HK$11,857
+HK$680/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,354/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$11,700
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,014
−HK$318/mo
Today · 4.125%
HK$12,332
baseline
▲ 0.50% · 4.625%
HK$12,982
+HK$650/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,664/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$12,270
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,652
−HK$387/mo
Today · 4.125%
HK$13,039
baseline
▲ 0.50% · 4.625%
HK$13,833
+HK$794/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,078/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$13,650
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,016
−HK$372/mo
Today · 4.125%
HK$14,388
baseline
▲ 0.50% · 4.625%
HK$15,146
+HK$758/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,776/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$15,776
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,266
−HK$499/mo
Today · 4.125%
HK$16,765
baseline
▲ 0.50% · 4.625%
HK$17,785
+HK$1,020/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$33,530/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$17,550
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,021
−HK$477/mo
Today · 4.125%
HK$18,498
baseline
▲ 0.50% · 4.625%
HK$19,474
+HK$976/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$36,996/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).