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$8,691
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,961
−HK$275/mo
Today · 4.125%
HK$9,236
baseline
▲ 0.50% · 4.625%
HK$9,798
+HK$562/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,472/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$9,669
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,928
−HK$263/mo
Today · 4.125%
HK$10,191
baseline
▲ 0.50% · 4.625%
HK$10,728
+HK$537/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,382/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$10,429
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,754
−HK$329/mo
Today · 4.125%
HK$11,083
baseline
▲ 0.50% · 4.625%
HK$11,758
+HK$675/mo
Deposit HK$1.52M · loan HK$2.29M · min. income ≈ HK$22,166/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,602
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,914
−HK$315/mo
Today · 4.125%
HK$12,229
baseline
▲ 0.50% · 4.625%
HK$12,874
+HK$645/mo
Deposit HK$1.52M · loan HK$2.29M · min. income ≈ HK$24,458/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,167
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,546
−HK$384/mo
Today · 4.125%
HK$12,930
baseline
▲ 0.50% · 4.625%
HK$13,717
+HK$787/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$25,860/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,536
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,899
−HK$368/mo
Today · 4.125%
HK$14,267
baseline
▲ 0.50% · 4.625%
HK$15,019
+HK$752/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$28,534/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,644
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,130
−HK$495/mo
Today · 4.125%
HK$16,625
baseline
▲ 0.50% · 4.625%
HK$17,636
+HK$1,011/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$33,250/mo (50% DSR)
Upfront cash ≈ HK$381K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,404
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,870
−HK$474/mo
Today · 4.125%
HK$18,344
baseline
▲ 0.50% · 4.625%
HK$19,311
+HK$967/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$36,688/mo (50% DSR)
Upfront cash ≈ HK$381K (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).