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$8,703
−HK$546/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$9,682
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,942
−HK$263/mo
Today · 4.125%
HK$10,205
baseline
▲ 0.50% · 4.625%
HK$10,743
+HK$538/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,410/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$10,768
−HK$331/mo
Today · 4.125%
HK$11,099
baseline
▲ 0.50% · 4.625%
HK$11,774
+HK$675/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$11,618
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,930
−HK$316/mo
Today · 4.125%
HK$12,246
baseline
▲ 0.50% · 4.625%
HK$12,892
+HK$646/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,492/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$12,184
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,563
−HK$385/mo
Today · 4.125%
HK$12,948
baseline
▲ 0.50% · 4.625%
HK$13,736
+HK$788/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$25,896/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$13,555
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,918
−HK$369/mo
Today · 4.125%
HK$14,287
baseline
▲ 0.50% · 4.625%
HK$15,040
+HK$753/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$28,574/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$15,665
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,153
−HK$495/mo
Today · 4.125%
HK$16,648
baseline
▲ 0.50% · 4.625%
HK$17,661
+HK$1,013/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,296/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$17,428
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,895
−HK$474/mo
Today · 4.125%
HK$18,369
baseline
▲ 0.50% · 4.625%
HK$19,337
+HK$968/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,738/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).