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$8,734
−HK$547/mo
▼ 0.25% · 3.875%
HK$9,005
−HK$276/mo
Today · 4.125%
HK$9,281
baseline
▲ 0.50% · 4.625%
HK$9,846
+HK$565/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,562/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$9,716
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,977
−HK$264/mo
Today · 4.125%
HK$10,241
baseline
▲ 0.50% · 4.625%
HK$10,781
+HK$540/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,482/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$10,480
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,806
−HK$331/mo
Today · 4.125%
HK$11,137
baseline
▲ 0.50% · 4.625%
HK$11,815
+HK$678/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,274/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$11,659
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,972
−HK$317/mo
Today · 4.125%
HK$12,289
baseline
▲ 0.50% · 4.625%
HK$12,937
+HK$648/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,578/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$12,227
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,607
−HK$387/mo
Today · 4.125%
HK$12,994
baseline
▲ 0.50% · 4.625%
HK$13,784
+HK$790/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,988/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$13,602
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,967
−HK$370/mo
Today · 4.125%
HK$14,337
baseline
▲ 0.50% · 4.625%
HK$15,093
+HK$756/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,674/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$15,720
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,209
−HK$497/mo
Today · 4.125%
HK$16,706
baseline
▲ 0.50% · 4.625%
HK$17,723
+HK$1,017/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$33,412/mo (50% DSR)
Upfront cash ≈ HK$383K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,489
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,958
−HK$476/mo
Today · 4.125%
HK$18,434
baseline
▲ 0.50% · 4.625%
HK$19,405
+HK$971/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$36,868/mo (50% DSR)
Upfront cash ≈ HK$383K (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).