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$8,758
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,030
−HK$277/mo
Today · 4.125%
HK$9,307
baseline
▲ 0.50% · 4.625%
HK$9,873
+HK$566/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,614/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$9,743
−HK$526/mo
▼ 0.25% · 3.875%
HK$10,004
−HK$265/mo
Today · 4.125%
HK$10,269
baseline
▲ 0.50% · 4.625%
HK$10,810
+HK$541/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,538/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$10,509
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,836
−HK$332/mo
Today · 4.125%
HK$11,168
baseline
▲ 0.50% · 4.625%
HK$11,848
+HK$680/mo
Deposit HK$1.54M · loan HK$2.30M · min. income ≈ HK$22,336/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$11,691
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,005
−HK$318/mo
Today · 4.125%
HK$12,323
baseline
▲ 0.50% · 4.625%
HK$12,972
+HK$649/mo
Deposit HK$1.54M · loan HK$2.30M · min. income ≈ HK$24,646/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$12,261
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,642
−HK$387/mo
Today · 4.125%
HK$13,029
baseline
▲ 0.50% · 4.625%
HK$13,822
+HK$793/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,058/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$13,640
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,006
−HK$371/mo
Today · 4.125%
HK$14,377
baseline
▲ 0.50% · 4.625%
HK$15,134
+HK$757/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,754/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$15,764
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,254
−HK$498/mo
Today · 4.125%
HK$16,752
baseline
▲ 0.50% · 4.625%
HK$17,771
+HK$1,019/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$33,504/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$17,537
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,007
−HK$477/mo
Today · 4.125%
HK$18,484
baseline
▲ 0.50% · 4.625%
HK$19,459
+HK$975/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$36,968/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).