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$8,721
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,992
−HK$276/mo
Today · 4.125%
HK$9,268
baseline
▲ 0.50% · 4.625%
HK$9,831
+HK$563/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,536/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$9,702
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,962
−HK$264/mo
Today · 4.125%
HK$10,226
baseline
▲ 0.50% · 4.625%
HK$10,765
+HK$539/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,452/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$10,465
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,790
−HK$331/mo
Today · 4.125%
HK$11,121
baseline
▲ 0.50% · 4.625%
HK$11,798
+HK$677/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,242/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$11,642
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,954
−HK$317/mo
Today · 4.125%
HK$12,271
baseline
▲ 0.50% · 4.625%
HK$12,918
+HK$647/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,542/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$12,209
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,589
−HK$386/mo
Today · 4.125%
HK$12,975
baseline
▲ 0.50% · 4.625%
HK$13,764
+HK$789/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,950/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$13,582
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,947
−HK$369/mo
Today · 4.125%
HK$14,316
baseline
▲ 0.50% · 4.625%
HK$15,071
+HK$755/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,632/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$15,697
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,186
−HK$496/mo
Today · 4.125%
HK$16,682
baseline
▲ 0.50% · 4.625%
HK$17,697
+HK$1,015/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,364/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$17,463
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,931
−HK$476/mo
Today · 4.125%
HK$18,407
baseline
▲ 0.50% · 4.625%
HK$19,377
+HK$970/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,814/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).