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$8,769
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,042
−HK$277/mo
Today · 4.125%
HK$9,319
baseline
▲ 0.50% · 4.625%
HK$9,886
+HK$567/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,638/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$9,756
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,017
−HK$266/mo
Today · 4.125%
HK$10,283
baseline
▲ 0.50% · 4.625%
HK$10,825
+HK$542/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,566/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$10,523
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,850
−HK$333/mo
Today · 4.125%
HK$11,183
baseline
▲ 0.50% · 4.625%
HK$11,863
+HK$680/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,366/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$11,707
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,021
−HK$318/mo
Today · 4.125%
HK$12,339
baseline
▲ 0.50% · 4.625%
HK$12,990
+HK$651/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,678/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$12,277
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,659
−HK$388/mo
Today · 4.125%
HK$13,047
baseline
▲ 0.50% · 4.625%
HK$13,841
+HK$794/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,094/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$13,658
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,024
−HK$372/mo
Today · 4.125%
HK$14,396
baseline
▲ 0.50% · 4.625%
HK$15,155
+HK$759/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,792/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$15,785
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,276
−HK$499/mo
Today · 4.125%
HK$16,775
baseline
▲ 0.50% · 4.625%
HK$17,795
+HK$1,020/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$33,550/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$17,560
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,031
−HK$478/mo
Today · 4.125%
HK$18,509
baseline
▲ 0.50% · 4.625%
HK$19,485
+HK$976/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$37,018/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).