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$8,759
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,032
−HK$277/mo
Today · 4.125%
HK$9,309
baseline
▲ 0.50% · 4.625%
HK$9,875
+HK$566/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,618/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$9,745
−HK$526/mo
▼ 0.25% · 3.875%
HK$10,006
−HK$265/mo
Today · 4.125%
HK$10,271
baseline
▲ 0.50% · 4.625%
HK$10,813
+HK$542/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,542/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$10,511
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,838
−HK$333/mo
Today · 4.125%
HK$11,171
baseline
▲ 0.50% · 4.625%
HK$11,850
+HK$679/mo
Deposit HK$1.54M · loan HK$2.30M · min. income ≈ HK$22,342/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$11,694
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,007
−HK$319/mo
Today · 4.125%
HK$12,326
baseline
▲ 0.50% · 4.625%
HK$12,975
+HK$649/mo
Deposit HK$1.54M · loan HK$2.30M · min. income ≈ HK$24,652/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$12,263
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,645
−HK$387/mo
Today · 4.125%
HK$13,032
baseline
▲ 0.50% · 4.625%
HK$13,825
+HK$793/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,064/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$13,643
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,009
−HK$371/mo
Today · 4.125%
HK$14,380
baseline
▲ 0.50% · 4.625%
HK$15,138
+HK$758/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,760/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$15,767
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,258
−HK$498/mo
Today · 4.125%
HK$16,756
baseline
▲ 0.50% · 4.625%
HK$17,775
+HK$1,019/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$33,512/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$17,541
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,011
−HK$477/mo
Today · 4.125%
HK$18,488
baseline
▲ 0.50% · 4.625%
HK$19,463
+HK$975/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$36,976/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).