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$8,700
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,971
−HK$275/mo
Today · 4.125%
HK$9,246
baseline
▲ 0.50% · 4.625%
HK$9,808
+HK$562/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,492/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$9,679
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,938
−HK$264/mo
Today · 4.125%
HK$10,202
baseline
▲ 0.50% · 4.625%
HK$10,739
+HK$537/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,404/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$10,440
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,765
−HK$330/mo
Today · 4.125%
HK$11,095
baseline
▲ 0.50% · 4.625%
HK$11,770
+HK$675/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,190/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$11,614
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,926
−HK$316/mo
Today · 4.125%
HK$12,242
baseline
▲ 0.50% · 4.625%
HK$12,887
+HK$645/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,484/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$12,180
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,559
−HK$385/mo
Today · 4.125%
HK$12,944
baseline
▲ 0.50% · 4.625%
HK$13,731
+HK$787/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$25,888/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,550
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,913
−HK$369/mo
Today · 4.125%
HK$14,282
baseline
▲ 0.50% · 4.625%
HK$15,035
+HK$753/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$28,564/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,660
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,147
−HK$495/mo
Today · 4.125%
HK$16,642
baseline
▲ 0.50% · 4.625%
HK$17,655
+HK$1,013/mo
Deposit HK$382K · loan HK$3.43M · min. income ≈ HK$33,284/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$17,421
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,889
−HK$474/mo
Today · 4.125%
HK$18,363
baseline
▲ 0.50% · 4.625%
HK$19,331
+HK$968/mo
Deposit HK$382K · loan HK$3.43M · min. income ≈ HK$36,726/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).