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$8,760
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,033
−HK$277/mo
Today · 4.125%
HK$9,310
baseline
▲ 0.50% · 4.625%
HK$9,876
+HK$566/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,620/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$9,746
−HK$526/mo
▼ 0.25% · 3.875%
HK$10,007
−HK$265/mo
Today · 4.125%
HK$10,272
baseline
▲ 0.50% · 4.625%
HK$10,814
+HK$542/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,544/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$10,512
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,839
−HK$333/mo
Today · 4.125%
HK$11,172
baseline
▲ 0.50% · 4.625%
HK$11,851
+HK$679/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,344/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$11,695
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,009
−HK$318/mo
Today · 4.125%
HK$12,327
baseline
▲ 0.50% · 4.625%
HK$12,976
+HK$649/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,654/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$12,264
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,646
−HK$387/mo
Today · 4.125%
HK$13,033
baseline
▲ 0.50% · 4.625%
HK$13,827
+HK$794/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,066/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$13,644
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,010
−HK$371/mo
Today · 4.125%
HK$14,381
baseline
▲ 0.50% · 4.625%
HK$15,139
+HK$758/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,762/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$15,769
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,259
−HK$498/mo
Today · 4.125%
HK$16,757
baseline
▲ 0.50% · 4.625%
HK$17,777
+HK$1,020/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$33,514/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$17,542
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,013
−HK$477/mo
Today · 4.125%
HK$18,490
baseline
▲ 0.50% · 4.625%
HK$19,465
+HK$975/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$36,980/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).