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$8,689
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,960
−HK$274/mo
Today · 4.125%
HK$9,234
baseline
▲ 0.50% · 4.625%
HK$9,796
+HK$562/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,468/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$9,667
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,926
−HK$263/mo
Today · 4.125%
HK$10,189
baseline
▲ 0.50% · 4.625%
HK$10,726
+HK$537/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,378/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$10,427
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,751
−HK$330/mo
Today · 4.125%
HK$11,081
baseline
▲ 0.50% · 4.625%
HK$11,755
+HK$674/mo
Deposit HK$1.52M · loan HK$2.29M · min. income ≈ HK$22,162/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,600
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,911
−HK$316/mo
Today · 4.125%
HK$12,227
baseline
▲ 0.50% · 4.625%
HK$12,871
+HK$644/mo
Deposit HK$1.52M · loan HK$2.29M · min. income ≈ HK$24,454/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,165
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,543
−HK$385/mo
Today · 4.125%
HK$12,928
baseline
▲ 0.50% · 4.625%
HK$13,714
+HK$786/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$25,856/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$13,533
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,896
−HK$369/mo
Today · 4.125%
HK$14,265
baseline
▲ 0.50% · 4.625%
HK$15,017
+HK$752/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$28,530/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$15,641
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,127
−HK$495/mo
Today · 4.125%
HK$16,622
baseline
▲ 0.50% · 4.625%
HK$17,633
+HK$1,011/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$33,244/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$17,400
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,867
−HK$473/mo
Today · 4.125%
HK$18,340
baseline
▲ 0.50% · 4.625%
HK$19,307
+HK$967/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$36,680/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).