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$545/mo
▼ 0.25% · 3.875%
HK$8,962
−HK$275/mo
Today · 4.125%
HK$9,237
baseline
▲ 0.50% · 4.625%
HK$9,799
+HK$562/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,474/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$522/mo
▼ 0.25% · 3.875%
HK$9,929
−HK$263/mo
Today · 4.125%
HK$10,192
baseline
▲ 0.50% · 4.625%
HK$10,729
+HK$537/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,384/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$10,430
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,755
−HK$329/mo
Today · 4.125%
HK$11,084
baseline
▲ 0.50% · 4.625%
HK$11,759
+HK$675/mo
Deposit HK$1.52M · loan HK$2.29M · min. income ≈ HK$22,168/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$11,915
−HK$316/mo
Today · 4.125%
HK$12,231
baseline
▲ 0.50% · 4.625%
HK$12,875
+HK$644/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$763/mo
▼ 0.25% · 3.875%
HK$12,547
−HK$385/mo
Today · 4.125%
HK$12,932
baseline
▲ 0.50% · 4.625%
HK$13,719
+HK$787/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$25,864/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$731/mo
▼ 0.25% · 3.875%
HK$13,901
−HK$368/mo
Today · 4.125%
HK$14,269
baseline
▲ 0.50% · 4.625%
HK$15,021
+HK$752/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$28,538/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$981/mo
▼ 0.25% · 3.875%
HK$16,132
−HK$495/mo
Today · 4.125%
HK$16,627
baseline
▲ 0.50% · 4.625%
HK$17,638
+HK$1,011/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$33,254/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$17,405
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,872
−HK$474/mo
Today · 4.125%
HK$18,346
baseline
▲ 0.50% · 4.625%
HK$19,313
+HK$967/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$36,692/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).