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$8,756
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,028
−HK$277/mo
Today · 4.125%
HK$9,305
baseline
▲ 0.50% · 4.625%
HK$9,871
+HK$566/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,610/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,741
−HK$526/mo
▼ 0.25% · 3.875%
HK$10,002
−HK$265/mo
Today · 4.125%
HK$10,267
baseline
▲ 0.50% · 4.625%
HK$10,808
+HK$541/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,534/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,507
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,834
−HK$332/mo
Today · 4.125%
HK$11,166
baseline
▲ 0.50% · 4.625%
HK$11,846
+HK$680/mo
Deposit HK$1.54M · loan HK$2.30M · min. income ≈ HK$22,332/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,689
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,003
−HK$318/mo
Today · 4.125%
HK$12,321
baseline
▲ 0.50% · 4.625%
HK$12,970
+HK$649/mo
Deposit HK$1.54M · loan HK$2.30M · min. income ≈ HK$24,642/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,258
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,640
−HK$387/mo
Today · 4.125%
HK$13,027
baseline
▲ 0.50% · 4.625%
HK$13,820
+HK$793/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,054/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$13,637
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,003
−HK$371/mo
Today · 4.125%
HK$14,374
baseline
▲ 0.50% · 4.625%
HK$15,132
+HK$758/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,748/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$15,761
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,251
−HK$498/mo
Today · 4.125%
HK$16,749
baseline
▲ 0.50% · 4.625%
HK$17,768
+HK$1,019/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$33,498/mo (50% DSR)
Upfront cash ≈ HK$384K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,534
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,004
−HK$477/mo
Today · 4.125%
HK$18,481
baseline
▲ 0.50% · 4.625%
HK$19,455
+HK$974/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$36,962/mo (50% DSR)
Upfront cash ≈ HK$384K (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).