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$8,746
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,018
−HK$276/mo
Today · 4.125%
HK$9,294
baseline
▲ 0.50% · 4.625%
HK$9,859
+HK$565/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,588/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$9,729
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,990
−HK$265/mo
Today · 4.125%
HK$10,255
baseline
▲ 0.50% · 4.625%
HK$10,796
+HK$541/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,510/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$10,495
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,821
−HK$332/mo
Today · 4.125%
HK$11,153
baseline
▲ 0.50% · 4.625%
HK$11,831
+HK$678/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,306/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$11,675
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,988
−HK$318/mo
Today · 4.125%
HK$12,306
baseline
▲ 0.50% · 4.625%
HK$12,955
+HK$649/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,612/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$12,244
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,625
−HK$387/mo
Today · 4.125%
HK$13,012
baseline
▲ 0.50% · 4.625%
HK$13,803
+HK$791/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$26,024/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$13,621
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,986
−HK$371/mo
Today · 4.125%
HK$14,357
baseline
▲ 0.50% · 4.625%
HK$15,114
+HK$757/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,714/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$15,742
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,232
−HK$497/mo
Today · 4.125%
HK$16,729
baseline
▲ 0.50% · 4.625%
HK$17,747
+HK$1,018/mo
Deposit HK$384K · loan HK$3.45M · min. income ≈ HK$33,458/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$17,513
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,982
−HK$477/mo
Today · 4.125%
HK$18,459
baseline
▲ 0.50% · 4.625%
HK$19,432
+HK$973/mo
Deposit HK$384K · loan HK$3.45M · min. income ≈ HK$36,918/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).