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$8,739
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,011
−HK$276/mo
Today · 4.125%
HK$9,287
baseline
▲ 0.50% · 4.625%
HK$9,852
+HK$565/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,574/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$9,722
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,983
−HK$264/mo
Today · 4.125%
HK$10,247
baseline
▲ 0.50% · 4.625%
HK$10,788
+HK$541/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,494/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$10,487
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,813
−HK$332/mo
Today · 4.125%
HK$11,145
baseline
▲ 0.50% · 4.625%
HK$11,823
+HK$678/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,290/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$11,667
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,980
−HK$317/mo
Today · 4.125%
HK$12,297
baseline
▲ 0.50% · 4.625%
HK$12,945
+HK$648/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,594/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$12,235
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,615
−HK$387/mo
Today · 4.125%
HK$13,002
baseline
▲ 0.50% · 4.625%
HK$13,793
+HK$791/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$26,004/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$13,611
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,976
−HK$370/mo
Today · 4.125%
HK$14,346
baseline
▲ 0.50% · 4.625%
HK$15,103
+HK$757/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,692/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$15,730
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,220
−HK$497/mo
Today · 4.125%
HK$16,717
baseline
▲ 0.50% · 4.625%
HK$17,734
+HK$1,017/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$33,434/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$17,500
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,969
−HK$476/mo
Today · 4.125%
HK$18,445
baseline
▲ 0.50% · 4.625%
HK$19,418
+HK$973/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$36,890/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).