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$8,732
−HK$547/mo
▼ 0.25% · 3.875%
HK$9,003
−HK$276/mo
Today · 4.125%
HK$9,279
baseline
▲ 0.50% · 4.625%
HK$9,844
+HK$565/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,558/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$9,714
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,974
−HK$265/mo
Today · 4.125%
HK$10,239
baseline
▲ 0.50% · 4.625%
HK$10,778
+HK$539/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,478/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$10,478
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,804
−HK$331/mo
Today · 4.125%
HK$11,135
baseline
▲ 0.50% · 4.625%
HK$11,813
+HK$678/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,270/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$11,657
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,969
−HK$318/mo
Today · 4.125%
HK$12,287
baseline
▲ 0.50% · 4.625%
HK$12,934
+HK$647/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,574/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$12,224
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,605
−HK$386/mo
Today · 4.125%
HK$12,991
baseline
▲ 0.50% · 4.625%
HK$13,781
+HK$790/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,982/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$13,600
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,964
−HK$370/mo
Today · 4.125%
HK$14,334
baseline
▲ 0.50% · 4.625%
HK$15,090
+HK$756/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,668/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$15,717
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,206
−HK$497/mo
Today · 4.125%
HK$16,703
baseline
▲ 0.50% · 4.625%
HK$17,719
+HK$1,016/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$33,406/mo (50% DSR)
Upfront cash ≈ HK$383K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,485
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,954
−HK$476/mo
Today · 4.125%
HK$18,430
baseline
▲ 0.50% · 4.625%
HK$19,401
+HK$971/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$36,860/mo (50% DSR)
Upfront cash ≈ HK$383K (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).