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$8,707
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,978
−HK$275/mo
Today · 4.125%
HK$9,253
baseline
▲ 0.50% · 4.625%
HK$9,816
+HK$563/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,506/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$9,686
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,946
−HK$264/mo
Today · 4.125%
HK$10,210
baseline
▲ 0.50% · 4.625%
HK$10,748
+HK$538/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,420/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$10,448
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,773
−HK$331/mo
Today · 4.125%
HK$11,104
baseline
▲ 0.50% · 4.625%
HK$11,779
+HK$675/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,208/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$11,624
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,936
−HK$316/mo
Today · 4.125%
HK$12,252
baseline
▲ 0.50% · 4.625%
HK$12,898
+HK$646/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,504/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$12,190
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,569
−HK$385/mo
Today · 4.125%
HK$12,954
baseline
▲ 0.50% · 4.625%
HK$13,742
+HK$788/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$25,908/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$13,561
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,925
−HK$369/mo
Today · 4.125%
HK$14,294
baseline
▲ 0.50% · 4.625%
HK$15,047
+HK$753/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$28,588/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$15,673
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,160
−HK$495/mo
Today · 4.125%
HK$16,655
baseline
▲ 0.50% · 4.625%
HK$17,669
+HK$1,014/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,310/mo (50% DSR)
Upfront cash ≈ HK$382K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,436
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,903
−HK$475/mo
Today · 4.125%
HK$18,378
baseline
▲ 0.50% · 4.625%
HK$19,346
+HK$968/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,756/mo (50% DSR)
Upfront cash ≈ HK$382K (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).