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$8,775
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,048
−HK$278/mo
Today · 4.125%
HK$9,326
baseline
▲ 0.50% · 4.625%
HK$9,893
+HK$567/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,652/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$9,762
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,024
−HK$266/mo
Today · 4.125%
HK$10,290
baseline
▲ 0.50% · 4.625%
HK$10,832
+HK$542/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,580/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$10,530
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,858
−HK$333/mo
Today · 4.125%
HK$11,191
baseline
▲ 0.50% · 4.625%
HK$11,872
+HK$681/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,382/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$11,715
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,029
−HK$319/mo
Today · 4.125%
HK$12,348
baseline
▲ 0.50% · 4.625%
HK$12,999
+HK$651/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,696/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$12,286
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,668
−HK$388/mo
Today · 4.125%
HK$13,056
baseline
▲ 0.50% · 4.625%
HK$13,850
+HK$794/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,112/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$13,667
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,034
−HK$372/mo
Today · 4.125%
HK$14,406
baseline
▲ 0.50% · 4.625%
HK$15,165
+HK$759/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,812/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$15,796
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,287
−HK$499/mo
Today · 4.125%
HK$16,786
baseline
▲ 0.50% · 4.625%
HK$17,808
+HK$1,022/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$33,572/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$17,572
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,044
−HK$478/mo
Today · 4.125%
HK$18,522
baseline
▲ 0.50% · 4.625%
HK$19,498
+HK$976/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$37,044/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).