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$8,718
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,989
−HK$275/mo
Today · 4.125%
HK$9,264
baseline
▲ 0.50% · 4.625%
HK$9,828
+HK$564/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,528/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$9,698
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,959
−HK$263/mo
Today · 4.125%
HK$10,222
baseline
▲ 0.50% · 4.625%
HK$10,761
+HK$539/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,444/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$10,461
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,787
−HK$330/mo
Today · 4.125%
HK$11,117
baseline
▲ 0.50% · 4.625%
HK$11,794
+HK$677/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,234/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$11,638
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,950
−HK$317/mo
Today · 4.125%
HK$12,267
baseline
▲ 0.50% · 4.625%
HK$12,914
+HK$647/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,534/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$12,205
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,585
−HK$385/mo
Today · 4.125%
HK$12,970
baseline
▲ 0.50% · 4.625%
HK$13,759
+HK$789/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,940/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$13,578
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,942
−HK$369/mo
Today · 4.125%
HK$14,311
baseline
▲ 0.50% · 4.625%
HK$15,066
+HK$755/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,622/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$15,692
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,180
−HK$496/mo
Today · 4.125%
HK$16,676
baseline
▲ 0.50% · 4.625%
HK$17,691
+HK$1,015/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,352/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$17,457
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,925
−HK$475/mo
Today · 4.125%
HK$18,400
baseline
▲ 0.50% · 4.625%
HK$19,370
+HK$970/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,800/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).