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$8,741
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,013
−HK$277/mo
Today · 4.125%
HK$9,290
baseline
▲ 0.50% · 4.625%
HK$9,855
+HK$565/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,580/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$9,725
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,986
−HK$264/mo
Today · 4.125%
HK$10,250
baseline
▲ 0.50% · 4.625%
HK$10,790
+HK$540/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,500/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$10,490
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,816
−HK$331/mo
Today · 4.125%
HK$11,147
baseline
▲ 0.50% · 4.625%
HK$11,826
+HK$679/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,294/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$11,670
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,983
−HK$317/mo
Today · 4.125%
HK$12,300
baseline
▲ 0.50% · 4.625%
HK$12,948
+HK$648/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,600/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$12,238
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,619
−HK$386/mo
Today · 4.125%
HK$13,005
baseline
▲ 0.50% · 4.625%
HK$13,797
+HK$792/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$26,010/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$13,615
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,980
−HK$370/mo
Today · 4.125%
HK$14,350
baseline
▲ 0.50% · 4.625%
HK$15,107
+HK$757/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,700/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$15,734
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,224
−HK$497/mo
Today · 4.125%
HK$16,721
baseline
▲ 0.50% · 4.625%
HK$17,739
+HK$1,018/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$33,442/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$17,504
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,974
−HK$476/mo
Today · 4.125%
HK$18,450
baseline
▲ 0.50% · 4.625%
HK$19,423
+HK$973/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$36,900/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).