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$8,708
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,979
−HK$276/mo
Today · 4.125%
HK$9,255
baseline
▲ 0.50% · 4.625%
HK$9,818
+HK$563/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,510/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$9,688
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,948
−HK$263/mo
Today · 4.125%
HK$10,211
baseline
▲ 0.50% · 4.625%
HK$10,750
+HK$539/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,422/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$10,450
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,775
−HK$330/mo
Today · 4.125%
HK$11,105
baseline
▲ 0.50% · 4.625%
HK$11,781
+HK$676/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,210/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$11,626
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,937
−HK$317/mo
Today · 4.125%
HK$12,254
baseline
▲ 0.50% · 4.625%
HK$12,900
+HK$646/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,508/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$12,192
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,571
−HK$385/mo
Today · 4.125%
HK$12,956
baseline
▲ 0.50% · 4.625%
HK$13,745
+HK$789/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$25,912/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$13,563
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,927
−HK$369/mo
Today · 4.125%
HK$14,296
baseline
▲ 0.50% · 4.625%
HK$15,050
+HK$754/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$28,592/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$15,675
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,163
−HK$495/mo
Today · 4.125%
HK$16,658
baseline
▲ 0.50% · 4.625%
HK$17,672
+HK$1,014/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,316/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$17,438
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,906
−HK$475/mo
Today · 4.125%
HK$18,381
baseline
▲ 0.50% · 4.625%
HK$19,349
+HK$968/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,762/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).