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$8,773
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,046
−HK$277/mo
Today · 4.125%
HK$9,323
baseline
▲ 0.50% · 4.625%
HK$9,890
+HK$567/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,646/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$9,760
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,021
−HK$266/mo
Today · 4.125%
HK$10,287
baseline
▲ 0.50% · 4.625%
HK$10,829
+HK$542/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,574/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$10,527
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,855
−HK$333/mo
Today · 4.125%
HK$11,188
baseline
▲ 0.50% · 4.625%
HK$11,868
+HK$680/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,376/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,712
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,026
−HK$318/mo
Today · 4.125%
HK$12,344
baseline
▲ 0.50% · 4.625%
HK$12,995
+HK$651/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,688/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,282
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,664
−HK$388/mo
Today · 4.125%
HK$13,052
baseline
▲ 0.50% · 4.625%
HK$13,846
+HK$794/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,104/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$13,664
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,030
−HK$372/mo
Today · 4.125%
HK$14,402
baseline
▲ 0.50% · 4.625%
HK$15,161
+HK$759/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,804/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$15,791
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,282
−HK$499/mo
Today · 4.125%
HK$16,781
baseline
▲ 0.50% · 4.625%
HK$17,802
+HK$1,021/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$33,562/mo (50% DSR)
Upfront cash ≈ HK$385K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,567
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,039
−HK$478/mo
Today · 4.125%
HK$18,517
baseline
▲ 0.50% · 4.625%
HK$19,493
+HK$976/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$37,034/mo (50% DSR)
Upfront cash ≈ HK$385K (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).