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$8,702
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,973
−HK$275/mo
Today · 4.125%
HK$9,248
baseline
▲ 0.50% · 4.625%
HK$9,811
+HK$563/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,496/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$9,681
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,941
−HK$263/mo
Today · 4.125%
HK$10,204
baseline
▲ 0.50% · 4.625%
HK$10,742
+HK$538/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,408/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$10,443
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,768
−HK$330/mo
Today · 4.125%
HK$11,098
baseline
▲ 0.50% · 4.625%
HK$11,773
+HK$675/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,196/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$11,617
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,929
−HK$316/mo
Today · 4.125%
HK$12,245
baseline
▲ 0.50% · 4.625%
HK$12,891
+HK$646/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,490/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$12,183
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,562
−HK$385/mo
Today · 4.125%
HK$12,947
baseline
▲ 0.50% · 4.625%
HK$13,735
+HK$788/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$25,894/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$13,554
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,917
−HK$369/mo
Today · 4.125%
HK$14,286
baseline
▲ 0.50% · 4.625%
HK$15,039
+HK$753/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$28,572/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$15,664
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,151
−HK$495/mo
Today · 4.125%
HK$16,646
baseline
▲ 0.50% · 4.625%
HK$17,659
+HK$1,013/mo
Deposit HK$382K · loan HK$3.43M · min. income ≈ HK$33,292/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$17,426
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,894
−HK$474/mo
Today · 4.125%
HK$18,368
baseline
▲ 0.50% · 4.625%
HK$19,336
+HK$968/mo
Deposit HK$382K · loan HK$3.43M · min. income ≈ HK$36,736/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).