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$8,726
−HK$548/mo
▼ 0.25% · 3.875%
HK$8,998
−HK$276/mo
Today · 4.125%
HK$9,274
baseline
▲ 0.50% · 4.625%
HK$9,838
+HK$564/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,548/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$9,708
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,968
−HK$265/mo
Today · 4.125%
HK$10,233
baseline
▲ 0.50% · 4.625%
HK$10,772
+HK$539/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,466/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$10,472
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,797
−HK$331/mo
Today · 4.125%
HK$11,128
baseline
▲ 0.50% · 4.625%
HK$11,806
+HK$678/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,256/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$11,650
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,962
−HK$317/mo
Today · 4.125%
HK$12,279
baseline
▲ 0.50% · 4.625%
HK$12,926
+HK$647/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,558/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$12,217
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,597
−HK$386/mo
Today · 4.125%
HK$12,983
baseline
▲ 0.50% · 4.625%
HK$13,773
+HK$790/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,966/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$13,591
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,956
−HK$370/mo
Today · 4.125%
HK$14,326
baseline
▲ 0.50% · 4.625%
HK$15,081
+HK$755/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,652/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$15,708
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,196
−HK$497/mo
Today · 4.125%
HK$16,693
baseline
▲ 0.50% · 4.625%
HK$17,708
+HK$1,015/mo
Deposit HK$383K · loan HK$3.44M · min. income ≈ HK$33,386/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$17,475
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,943
−HK$476/mo
Today · 4.125%
HK$18,419
baseline
▲ 0.50% · 4.625%
HK$19,389
+HK$970/mo
Deposit HK$383K · loan HK$3.44M · min. income ≈ HK$36,838/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).