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$8,732
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,004
−HK$276/mo
Today · 4.125%
HK$9,280
baseline
▲ 0.50% · 4.625%
HK$9,844
+HK$564/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,560/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$9,715
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,975
−HK$264/mo
Today · 4.125%
HK$10,239
baseline
▲ 0.50% · 4.625%
HK$10,779
+HK$540/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,478/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$10,479
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,805
−HK$331/mo
Today · 4.125%
HK$11,136
baseline
▲ 0.50% · 4.625%
HK$11,813
+HK$677/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,272/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$11,657
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,970
−HK$317/mo
Today · 4.125%
HK$12,287
baseline
▲ 0.50% · 4.625%
HK$12,935
+HK$648/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,574/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$12,225
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,605
−HK$387/mo
Today · 4.125%
HK$12,992
baseline
▲ 0.50% · 4.625%
HK$13,782
+HK$790/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,984/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$13,600
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,965
−HK$370/mo
Today · 4.125%
HK$14,335
baseline
▲ 0.50% · 4.625%
HK$15,091
+HK$756/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,670/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$15,718
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,207
−HK$497/mo
Today · 4.125%
HK$16,704
baseline
▲ 0.50% · 4.625%
HK$17,720
+HK$1,016/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$33,408/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$17,486
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,955
−HK$476/mo
Today · 4.125%
HK$18,431
baseline
▲ 0.50% · 4.625%
HK$19,402
+HK$971/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$36,862/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).