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$8,733
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,005
−HK$276/mo
Today · 4.125%
HK$9,281
baseline
▲ 0.50% · 4.625%
HK$9,846
+HK$565/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,562/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$9,716
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,976
−HK$264/mo
Today · 4.125%
HK$10,240
baseline
▲ 0.50% · 4.625%
HK$10,780
+HK$540/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,480/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$10,480
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,806
−HK$331/mo
Today · 4.125%
HK$11,137
baseline
▲ 0.50% · 4.625%
HK$11,815
+HK$678/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,274/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$11,659
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,971
−HK$318/mo
Today · 4.125%
HK$12,289
baseline
▲ 0.50% · 4.625%
HK$12,936
+HK$647/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,578/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$12,226
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,607
−HK$386/mo
Today · 4.125%
HK$12,993
baseline
▲ 0.50% · 4.625%
HK$13,784
+HK$791/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,986/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$13,602
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,967
−HK$370/mo
Today · 4.125%
HK$14,337
baseline
▲ 0.50% · 4.625%
HK$15,092
+HK$755/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,674/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$15,720
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,209
−HK$496/mo
Today · 4.125%
HK$16,705
baseline
▲ 0.50% · 4.625%
HK$17,722
+HK$1,017/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$33,410/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$17,488
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,957
−HK$476/mo
Today · 4.125%
HK$18,433
baseline
▲ 0.50% · 4.625%
HK$19,404
+HK$971/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$36,866/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).