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$8,702
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,972
−HK$275/mo
Today · 4.125%
HK$9,247
baseline
▲ 0.50% · 4.625%
HK$9,810
+HK$563/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,494/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$9,680
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,940
−HK$263/mo
Today · 4.125%
HK$10,203
baseline
▲ 0.50% · 4.625%
HK$10,741
+HK$538/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,406/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$10,442
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,767
−HK$330/mo
Today · 4.125%
HK$11,097
baseline
▲ 0.50% · 4.625%
HK$11,772
+HK$675/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,194/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$11,616
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,928
−HK$316/mo
Today · 4.125%
HK$12,244
baseline
▲ 0.50% · 4.625%
HK$12,889
+HK$645/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,488/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$12,182
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,561
−HK$385/mo
Today · 4.125%
HK$12,946
baseline
▲ 0.50% · 4.625%
HK$13,734
+HK$788/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$25,892/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$13,552
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,916
−HK$369/mo
Today · 4.125%
HK$14,285
baseline
▲ 0.50% · 4.625%
HK$15,038
+HK$753/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$28,570/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$15,663
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,150
−HK$495/mo
Today · 4.125%
HK$16,645
baseline
▲ 0.50% · 4.625%
HK$17,658
+HK$1,013/mo
Deposit HK$382K · loan HK$3.43M · min. income ≈ HK$33,290/mo (50% DSR)
Upfront cash ≈ HK$382K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,425
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,892
−HK$474/mo
Today · 4.125%
HK$18,366
baseline
▲ 0.50% · 4.625%
HK$19,334
+HK$968/mo
Deposit HK$382K · loan HK$3.43M · min. income ≈ HK$36,732/mo (50% DSR)
Upfront cash ≈ HK$382K (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).