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$8,722
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,994
−HK$275/mo
Today · 4.125%
HK$9,269
baseline
▲ 0.50% · 4.625%
HK$9,833
+HK$564/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,538/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$9,703
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,964
−HK$264/mo
Today · 4.125%
HK$10,228
baseline
▲ 0.50% · 4.625%
HK$10,767
+HK$539/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,456/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$10,467
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,792
−HK$331/mo
Today · 4.125%
HK$11,123
baseline
▲ 0.50% · 4.625%
HK$11,800
+HK$677/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,246/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$11,644
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,956
−HK$317/mo
Today · 4.125%
HK$12,273
baseline
▲ 0.50% · 4.625%
HK$12,920
+HK$647/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,546/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$12,211
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,591
−HK$386/mo
Today · 4.125%
HK$12,977
baseline
▲ 0.50% · 4.625%
HK$13,767
+HK$790/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,954/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$13,585
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,949
−HK$370/mo
Today · 4.125%
HK$14,319
baseline
▲ 0.50% · 4.625%
HK$15,074
+HK$755/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,638/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$15,700
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,188
−HK$497/mo
Today · 4.125%
HK$16,685
baseline
▲ 0.50% · 4.625%
HK$17,700
+HK$1,015/mo
Deposit HK$383K · loan HK$3.44M · min. income ≈ HK$33,370/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$17,466
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,935
−HK$475/mo
Today · 4.125%
HK$18,410
baseline
▲ 0.50% · 4.625%
HK$19,380
+HK$970/mo
Deposit HK$383K · loan HK$3.44M · min. income ≈ HK$36,820/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).