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$8,749
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,021
−HK$276/mo
Today · 4.125%
HK$9,297
baseline
▲ 0.50% · 4.625%
HK$9,863
+HK$566/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$9,733
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,994
−HK$265/mo
Today · 4.125%
HK$10,259
baseline
▲ 0.50% · 4.625%
HK$10,799
+HK$540/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,518/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$659/mo
▼ 0.25% · 3.875%
HK$10,825
−HK$332/mo
Today · 4.125%
HK$11,157
baseline
▲ 0.50% · 4.625%
HK$11,836
+HK$679/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,314/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$11,993
−HK$317/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$12,248
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,629
−HK$387/mo
Today · 4.125%
HK$13,016
baseline
▲ 0.50% · 4.625%
HK$13,808
+HK$792/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,032/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$13,626
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,991
−HK$371/mo
Today · 4.125%
HK$14,362
baseline
▲ 0.50% · 4.625%
HK$15,119
+HK$757/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,724/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$988/mo
▼ 0.25% · 3.875%
HK$16,237
−HK$498/mo
Today · 4.125%
HK$16,735
baseline
▲ 0.50% · 4.625%
HK$17,753
+HK$1,018/mo
Deposit HK$384K · loan HK$3.45M · min. income ≈ HK$33,470/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$17,519
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,989
−HK$476/mo
Today · 4.125%
HK$18,465
baseline
▲ 0.50% · 4.625%
HK$19,439
+HK$974/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).