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$8,704
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,974
−HK$275/mo
Today · 4.125%
HK$9,249
baseline
▲ 0.50% · 4.625%
HK$9,812
+HK$563/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,498/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$9,683
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,942
−HK$264/mo
Today · 4.125%
HK$10,206
baseline
▲ 0.50% · 4.625%
HK$10,744
+HK$538/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,412/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$10,444
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,769
−HK$330/mo
Today · 4.125%
HK$11,099
baseline
▲ 0.50% · 4.625%
HK$11,775
+HK$676/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,198/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$11,619
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,931
−HK$316/mo
Today · 4.125%
HK$12,247
baseline
▲ 0.50% · 4.625%
HK$12,893
+HK$646/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,494/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$12,185
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,564
−HK$385/mo
Today · 4.125%
HK$12,949
baseline
▲ 0.50% · 4.625%
HK$13,737
+HK$788/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$25,898/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$13,556
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,919
−HK$369/mo
Today · 4.125%
HK$14,288
baseline
▲ 0.50% · 4.625%
HK$15,041
+HK$753/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$28,576/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$15,667
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,154
−HK$495/mo
Today · 4.125%
HK$16,649
baseline
▲ 0.50% · 4.625%
HK$17,662
+HK$1,013/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,298/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$17,429
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,896
−HK$474/mo
Today · 4.125%
HK$18,370
baseline
▲ 0.50% · 4.625%
HK$19,339
+HK$969/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,740/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).