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$8,720
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,991
−HK$275/mo
Today · 4.125%
HK$9,266
baseline
▲ 0.50% · 4.625%
HK$9,830
+HK$564/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$9,701
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,961
−HK$264/mo
Today · 4.125%
HK$10,225
baseline
▲ 0.50% · 4.625%
HK$10,764
+HK$539/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,450/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$10,464
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,789
−HK$331/mo
Today · 4.125%
HK$11,120
baseline
▲ 0.50% · 4.625%
HK$11,796
+HK$676/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,240/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$11,641
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,953
−HK$317/mo
Today · 4.125%
HK$12,270
baseline
▲ 0.50% · 4.625%
HK$12,916
+HK$646/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,540/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$12,208
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,587
−HK$386/mo
Today · 4.125%
HK$12,973
baseline
▲ 0.50% · 4.625%
HK$13,762
+HK$789/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,946/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$13,581
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,945
−HK$369/mo
Today · 4.125%
HK$14,314
baseline
▲ 0.50% · 4.625%
HK$15,069
+HK$755/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,628/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$15,695
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,184
−HK$496/mo
Today · 4.125%
HK$16,680
baseline
▲ 0.50% · 4.625%
HK$17,695
+HK$1,015/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,360/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$17,461
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,929
−HK$475/mo
Today · 4.125%
HK$18,404
baseline
▲ 0.50% · 4.625%
HK$19,374
+HK$970/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,808/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).