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$8,722
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,993
−HK$276/mo
Today · 4.125%
HK$9,269
baseline
▲ 0.50% · 4.625%
HK$9,833
+HK$564/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,538/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$9,703
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,963
−HK$264/mo
Today · 4.125%
HK$10,227
baseline
▲ 0.50% · 4.625%
HK$10,766
+HK$539/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,454/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$10,466
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,792
−HK$330/mo
Today · 4.125%
HK$11,122
baseline
▲ 0.50% · 4.625%
HK$11,799
+HK$677/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,244/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$11,643
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,956
−HK$317/mo
Today · 4.125%
HK$12,273
baseline
▲ 0.50% · 4.625%
HK$12,919
+HK$646/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,546/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$12,211
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,590
−HK$386/mo
Today · 4.125%
HK$12,976
baseline
▲ 0.50% · 4.625%
HK$13,766
+HK$790/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,952/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$13,584
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,948
−HK$370/mo
Today · 4.125%
HK$14,318
baseline
▲ 0.50% · 4.625%
HK$15,073
+HK$755/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,636/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$15,699
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,188
−HK$496/mo
Today · 4.125%
HK$16,684
baseline
▲ 0.50% · 4.625%
HK$17,699
+HK$1,015/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,368/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$17,465
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,934
−HK$475/mo
Today · 4.125%
HK$18,409
baseline
▲ 0.50% · 4.625%
HK$19,379
+HK$970/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,818/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).