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$8,709
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,980
−HK$276/mo
Today · 4.125%
HK$9,256
baseline
▲ 0.50% · 4.625%
HK$9,819
+HK$563/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,512/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$9,689
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,949
−HK$264/mo
Today · 4.125%
HK$10,213
baseline
▲ 0.50% · 4.625%
HK$10,751
+HK$538/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,426/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$10,451
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,776
−HK$331/mo
Today · 4.125%
HK$11,107
baseline
▲ 0.50% · 4.625%
HK$11,783
+HK$676/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,214/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$11,627
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,939
−HK$316/mo
Today · 4.125%
HK$12,255
baseline
▲ 0.50% · 4.625%
HK$12,901
+HK$646/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,510/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$12,193
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,573
−HK$385/mo
Today · 4.125%
HK$12,958
baseline
▲ 0.50% · 4.625%
HK$13,746
+HK$788/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$25,916/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$13,565
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,929
−HK$369/mo
Today · 4.125%
HK$14,298
baseline
▲ 0.50% · 4.625%
HK$15,051
+HK$753/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$28,596/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$15,677
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,165
−HK$495/mo
Today · 4.125%
HK$16,660
baseline
▲ 0.50% · 4.625%
HK$17,674
+HK$1,014/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,320/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$17,441
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,908
−HK$475/mo
Today · 4.125%
HK$18,383
baseline
▲ 0.50% · 4.625%
HK$19,352
+HK$969/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,766/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).