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$8,756
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,029
−HK$276/mo
Today · 4.125%
HK$9,305
baseline
▲ 0.50% · 4.625%
HK$9,872
+HK$567/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,610/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$9,741
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,003
−HK$265/mo
Today · 4.125%
HK$10,268
baseline
▲ 0.50% · 4.625%
HK$10,809
+HK$541/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,536/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$10,508
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,834
−HK$333/mo
Today · 4.125%
HK$11,167
baseline
▲ 0.50% · 4.625%
HK$11,846
+HK$679/mo
Deposit HK$1.54M · loan HK$2.30M · min. income ≈ HK$22,334/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$11,690
−HK$631/mo
▼ 0.25% · 3.875%
HK$12,003
−HK$318/mo
Today · 4.125%
HK$12,321
baseline
▲ 0.50% · 4.625%
HK$12,971
+HK$650/mo
Deposit HK$1.54M · loan HK$2.30M · min. income ≈ HK$24,642/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$12,259
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,640
−HK$388/mo
Today · 4.125%
HK$13,028
baseline
▲ 0.50% · 4.625%
HK$13,820
+HK$792/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,056/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$13,638
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,004
−HK$371/mo
Today · 4.125%
HK$14,375
baseline
▲ 0.50% · 4.625%
HK$15,132
+HK$757/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,750/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$15,761
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,252
−HK$498/mo
Today · 4.125%
HK$16,750
baseline
▲ 0.50% · 4.625%
HK$17,769
+HK$1,019/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$33,500/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$17,534
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,005
−HK$477/mo
Today · 4.125%
HK$18,482
baseline
▲ 0.50% · 4.625%
HK$19,456
+HK$974/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$36,964/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).