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$8,723
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,994
−HK$276/mo
Today · 4.125%
HK$9,270
baseline
▲ 0.50% · 4.625%
HK$9,834
+HK$564/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,540/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$9,704
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,964
−HK$264/mo
Today · 4.125%
HK$10,228
baseline
▲ 0.50% · 4.625%
HK$10,768
+HK$540/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$10,468
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,793
−HK$331/mo
Today · 4.125%
HK$11,124
baseline
▲ 0.50% · 4.625%
HK$11,801
+HK$677/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,248/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$11,645
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,957
−HK$317/mo
Today · 4.125%
HK$12,274
baseline
▲ 0.50% · 4.625%
HK$12,921
+HK$647/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,548/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$12,212
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,592
−HK$386/mo
Today · 4.125%
HK$12,978
baseline
▲ 0.50% · 4.625%
HK$13,768
+HK$790/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,956/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$13,586
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,950
−HK$370/mo
Today · 4.125%
HK$14,320
baseline
▲ 0.50% · 4.625%
HK$15,075
+HK$755/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,640/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$15,701
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,190
−HK$496/mo
Today · 4.125%
HK$16,686
baseline
▲ 0.50% · 4.625%
HK$17,701
+HK$1,015/mo
Deposit HK$383K · loan HK$3.44M · min. income ≈ HK$33,372/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$17,467
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,936
−HK$475/mo
Today · 4.125%
HK$18,411
baseline
▲ 0.50% · 4.625%
HK$19,382
+HK$971/mo
Deposit HK$383K · loan HK$3.44M · min. income ≈ HK$36,822/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).