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$8,693
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,964
−HK$274/mo
Today · 4.125%
HK$9,238
baseline
▲ 0.50% · 4.625%
HK$9,801
+HK$563/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,476/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$9,671
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,931
−HK$263/mo
Today · 4.125%
HK$10,194
baseline
▲ 0.50% · 4.625%
HK$10,731
+HK$537/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,388/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$10,432
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,756
−HK$330/mo
Today · 4.125%
HK$11,086
baseline
▲ 0.50% · 4.625%
HK$11,761
+HK$675/mo
Deposit HK$1.52M · loan HK$2.29M · min. income ≈ HK$22,172/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$11,605
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,917
−HK$315/mo
Today · 4.125%
HK$12,232
baseline
▲ 0.50% · 4.625%
HK$12,877
+HK$645/mo
Deposit HK$1.52M · loan HK$2.29M · min. income ≈ HK$24,464/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$12,171
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,549
−HK$385/mo
Today · 4.125%
HK$12,934
baseline
▲ 0.50% · 4.625%
HK$13,721
+HK$787/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$25,868/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$13,540
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,903
−HK$368/mo
Today · 4.125%
HK$14,271
baseline
▲ 0.50% · 4.625%
HK$15,024
+HK$753/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$28,542/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$15,648
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,135
−HK$494/mo
Today · 4.125%
HK$16,629
baseline
▲ 0.50% · 4.625%
HK$17,641
+HK$1,012/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$33,258/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$17,408
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,875
−HK$474/mo
Today · 4.125%
HK$18,349
baseline
▲ 0.50% · 4.625%
HK$19,316
+HK$967/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$36,698/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).