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$8,729
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,001
−HK$276/mo
Today · 4.125%
HK$9,277
baseline
▲ 0.50% · 4.625%
HK$9,841
+HK$564/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,554/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$9,711
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,972
−HK$264/mo
Today · 4.125%
HK$10,236
baseline
▲ 0.50% · 4.625%
HK$10,776
+HK$540/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,472/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$10,475
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,801
−HK$331/mo
Today · 4.125%
HK$11,132
baseline
▲ 0.50% · 4.625%
HK$11,809
+HK$677/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,264/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$11,654
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,966
−HK$317/mo
Today · 4.125%
HK$12,283
baseline
▲ 0.50% · 4.625%
HK$12,931
+HK$648/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,566/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$12,221
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,601
−HK$386/mo
Today · 4.125%
HK$12,987
baseline
▲ 0.50% · 4.625%
HK$13,778
+HK$791/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,974/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$13,596
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,960
−HK$370/mo
Today · 4.125%
HK$14,330
baseline
▲ 0.50% · 4.625%
HK$15,086
+HK$756/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,660/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$15,713
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,202
−HK$496/mo
Today · 4.125%
HK$16,698
baseline
▲ 0.50% · 4.625%
HK$17,714
+HK$1,016/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$33,396/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$17,480
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,949
−HK$476/mo
Today · 4.125%
HK$18,425
baseline
▲ 0.50% · 4.625%
HK$19,396
+HK$971/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$36,850/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).