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$8,748
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,020
−HK$277/mo
Today · 4.125%
HK$9,297
baseline
▲ 0.50% · 4.625%
HK$9,862
+HK$565/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,594/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$9,732
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,993
−HK$265/mo
Today · 4.125%
HK$10,258
baseline
▲ 0.50% · 4.625%
HK$10,799
+HK$541/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,516/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$10,498
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,824
−HK$332/mo
Today · 4.125%
HK$11,156
baseline
▲ 0.50% · 4.625%
HK$11,835
+HK$679/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,312/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$11,679
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,992
−HK$318/mo
Today · 4.125%
HK$12,310
baseline
▲ 0.50% · 4.625%
HK$12,959
+HK$649/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,620/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$12,247
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,628
−HK$387/mo
Today · 4.125%
HK$13,015
baseline
▲ 0.50% · 4.625%
HK$13,807
+HK$792/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,030/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$13,625
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,991
−HK$370/mo
Today · 4.125%
HK$14,361
baseline
▲ 0.50% · 4.625%
HK$15,118
+HK$757/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,722/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$15,747
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,237
−HK$497/mo
Today · 4.125%
HK$16,734
baseline
▲ 0.50% · 4.625%
HK$17,752
+HK$1,018/mo
Deposit HK$384K · loan HK$3.45M · min. income ≈ HK$33,468/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$17,518
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,988
−HK$477/mo
Today · 4.125%
HK$18,465
baseline
▲ 0.50% · 4.625%
HK$19,438
+HK$973/mo
Deposit HK$384K · loan HK$3.45M · min. income ≈ HK$36,930/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).