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$8,759
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,031
−HK$277/mo
Today · 4.125%
HK$9,308
baseline
▲ 0.50% · 4.625%
HK$9,874
+HK$566/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,616/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$9,744
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,005
−HK$266/mo
Today · 4.125%
HK$10,271
baseline
▲ 0.50% · 4.625%
HK$10,812
+HK$541/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,542/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$10,511
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,838
−HK$332/mo
Today · 4.125%
HK$11,170
baseline
▲ 0.50% · 4.625%
HK$11,849
+HK$679/mo
Deposit HK$1.54M · loan HK$2.30M · min. income ≈ HK$22,340/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,693
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,007
−HK$318/mo
Today · 4.125%
HK$12,325
baseline
▲ 0.50% · 4.625%
HK$12,974
+HK$649/mo
Deposit HK$1.54M · loan HK$2.30M · min. income ≈ HK$24,650/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,262
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,644
−HK$387/mo
Today · 4.125%
HK$13,031
baseline
▲ 0.50% · 4.625%
HK$13,824
+HK$793/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,062/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$13,642
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,008
−HK$371/mo
Today · 4.125%
HK$14,379
baseline
▲ 0.50% · 4.625%
HK$15,137
+HK$758/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,758/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$15,766
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,256
−HK$499/mo
Today · 4.125%
HK$16,755
baseline
▲ 0.50% · 4.625%
HK$17,774
+HK$1,019/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$33,510/mo (50% DSR)
Upfront cash ≈ HK$384K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,539
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,010
−HK$477/mo
Today · 4.125%
HK$18,487
baseline
▲ 0.50% · 4.625%
HK$19,462
+HK$975/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$36,974/mo (50% DSR)
Upfront cash ≈ HK$384K (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).