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$8,714
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,985
−HK$275/mo
Today · 4.125%
HK$9,260
baseline
▲ 0.50% · 4.625%
HK$9,824
+HK$564/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,520/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$9,694
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,954
−HK$264/mo
Today · 4.125%
HK$10,218
baseline
▲ 0.50% · 4.625%
HK$10,756
+HK$538/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,436/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$10,456
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,782
−HK$330/mo
Today · 4.125%
HK$11,112
baseline
▲ 0.50% · 4.625%
HK$11,788
+HK$676/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,224/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$11,633
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,945
−HK$316/mo
Today · 4.125%
HK$12,261
baseline
▲ 0.50% · 4.625%
HK$12,908
+HK$647/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,522/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$12,199
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,579
−HK$385/mo
Today · 4.125%
HK$12,964
baseline
▲ 0.50% · 4.625%
HK$13,753
+HK$789/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$25,928/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$13,572
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,936
−HK$369/mo
Today · 4.125%
HK$14,305
baseline
▲ 0.50% · 4.625%
HK$15,059
+HK$754/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$28,610/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$15,685
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,173
−HK$495/mo
Today · 4.125%
HK$16,668
baseline
▲ 0.50% · 4.625%
HK$17,683
+HK$1,015/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,336/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$17,449
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,917
−HK$475/mo
Today · 4.125%
HK$18,392
baseline
▲ 0.50% · 4.625%
HK$19,361
+HK$969/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,784/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).