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$8,751
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,023
−HK$277/mo
Today · 4.125%
HK$9,300
baseline
▲ 0.50% · 4.625%
HK$9,866
+HK$566/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,600/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$9,735
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,996
−HK$265/mo
Today · 4.125%
HK$10,261
baseline
▲ 0.50% · 4.625%
HK$10,802
+HK$541/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,522/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$10,501
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,828
−HK$332/mo
Today · 4.125%
HK$11,160
baseline
▲ 0.50% · 4.625%
HK$11,839
+HK$679/mo
Deposit HK$1.54M · loan HK$2.30M · min. income ≈ HK$22,320/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$11,682
−HK$632/mo
▼ 0.25% · 3.875%
HK$11,996
−HK$318/mo
Today · 4.125%
HK$12,314
baseline
▲ 0.50% · 4.625%
HK$12,963
+HK$649/mo
Deposit HK$1.54M · loan HK$2.30M · min. income ≈ HK$24,628/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$12,251
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,632
−HK$388/mo
Today · 4.125%
HK$13,020
baseline
▲ 0.50% · 4.625%
HK$13,812
+HK$792/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,040/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$13,630
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,995
−HK$371/mo
Today · 4.125%
HK$14,366
baseline
▲ 0.50% · 4.625%
HK$15,123
+HK$757/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,732/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$15,752
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,242
−HK$498/mo
Today · 4.125%
HK$16,740
baseline
▲ 0.50% · 4.625%
HK$17,758
+HK$1,018/mo
Deposit HK$384K · loan HK$3.45M · min. income ≈ HK$33,480/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$17,524
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,994
−HK$476/mo
Today · 4.125%
HK$18,470
baseline
▲ 0.50% · 4.625%
HK$19,444
+HK$974/mo
Deposit HK$384K · loan HK$3.45M · min. income ≈ HK$36,940/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).