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$8,699
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,969
−HK$275/mo
Today · 4.125%
HK$9,244
baseline
▲ 0.50% · 4.625%
HK$9,807
+HK$563/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,488/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$9,677
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,937
−HK$263/mo
Today · 4.125%
HK$10,200
baseline
▲ 0.50% · 4.625%
HK$10,738
+HK$538/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,400/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$10,439
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,763
−HK$330/mo
Today · 4.125%
HK$11,093
baseline
▲ 0.50% · 4.625%
HK$11,768
+HK$675/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,186/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$11,613
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,924
−HK$316/mo
Today · 4.125%
HK$12,240
baseline
▲ 0.50% · 4.625%
HK$12,886
+HK$646/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,480/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$12,178
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,557
−HK$385/mo
Today · 4.125%
HK$12,942
baseline
▲ 0.50% · 4.625%
HK$13,730
+HK$788/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$25,884/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$13,548
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,912
−HK$368/mo
Today · 4.125%
HK$14,280
baseline
▲ 0.50% · 4.625%
HK$15,033
+HK$753/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$28,560/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$15,658
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,145
−HK$495/mo
Today · 4.125%
HK$16,640
baseline
▲ 0.50% · 4.625%
HK$17,652
+HK$1,012/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$33,280/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$17,419
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,887
−HK$473/mo
Today · 4.125%
HK$18,360
baseline
▲ 0.50% · 4.625%
HK$19,328
+HK$968/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$36,720/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).