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$8,754
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,026
−HK$277/mo
Today · 4.125%
HK$9,303
baseline
▲ 0.50% · 4.625%
HK$9,869
+HK$566/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,606/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$9,739
−HK$526/mo
▼ 0.25% · 3.875%
HK$10,000
−HK$265/mo
Today · 4.125%
HK$10,265
baseline
▲ 0.50% · 4.625%
HK$10,806
+HK$541/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,530/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$10,505
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,831
−HK$332/mo
Today · 4.125%
HK$11,163
baseline
▲ 0.50% · 4.625%
HK$11,843
+HK$680/mo
Deposit HK$1.54M · loan HK$2.30M · min. income ≈ HK$22,326/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$11,686
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,000
−HK$318/mo
Today · 4.125%
HK$12,318
baseline
▲ 0.50% · 4.625%
HK$12,967
+HK$649/mo
Deposit HK$1.54M · loan HK$2.30M · min. income ≈ HK$24,636/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$12,255
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,637
−HK$387/mo
Today · 4.125%
HK$13,024
baseline
▲ 0.50% · 4.625%
HK$13,816
+HK$792/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,048/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$13,634
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,000
−HK$371/mo
Today · 4.125%
HK$14,371
baseline
▲ 0.50% · 4.625%
HK$15,128
+HK$757/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,742/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$15,757
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,247
−HK$498/mo
Today · 4.125%
HK$16,745
baseline
▲ 0.50% · 4.625%
HK$17,764
+HK$1,019/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$33,490/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$17,529
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,999
−HK$477/mo
Today · 4.125%
HK$18,476
baseline
▲ 0.50% · 4.625%
HK$19,450
+HK$974/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$36,952/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).