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$8,692
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,963
−HK$275/mo
Today · 4.125%
HK$9,238
baseline
▲ 0.50% · 4.625%
HK$9,800
+HK$562/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,476/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$9,670
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,930
−HK$263/mo
Today · 4.125%
HK$10,193
baseline
▲ 0.50% · 4.625%
HK$10,730
+HK$537/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,386/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$10,431
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,755
−HK$330/mo
Today · 4.125%
HK$11,085
baseline
▲ 0.50% · 4.625%
HK$11,760
+HK$675/mo
Deposit HK$1.52M · loan HK$2.29M · min. income ≈ HK$22,170/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$11,604
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,916
−HK$315/mo
Today · 4.125%
HK$12,231
baseline
▲ 0.50% · 4.625%
HK$12,876
+HK$645/mo
Deposit HK$1.52M · loan HK$2.29M · min. income ≈ HK$24,462/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$12,169
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,548
−HK$385/mo
Today · 4.125%
HK$12,933
baseline
▲ 0.50% · 4.625%
HK$13,720
+HK$787/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$25,866/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$13,538
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,902
−HK$368/mo
Today · 4.125%
HK$14,270
baseline
▲ 0.50% · 4.625%
HK$15,022
+HK$752/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$28,540/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$15,646
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,133
−HK$495/mo
Today · 4.125%
HK$16,628
baseline
▲ 0.50% · 4.625%
HK$17,639
+HK$1,011/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$33,256/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$17,407
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,873
−HK$474/mo
Today · 4.125%
HK$18,347
baseline
▲ 0.50% · 4.625%
HK$19,314
+HK$967/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$36,694/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).