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$8,710
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,981
−HK$275/mo
Today · 4.125%
HK$9,256
baseline
▲ 0.50% · 4.625%
HK$9,819
+HK$563/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,512/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$9,690
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,950
−HK$263/mo
Today · 4.125%
HK$10,213
baseline
▲ 0.50% · 4.625%
HK$10,751
+HK$538/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,426/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$10,452
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,777
−HK$330/mo
Today · 4.125%
HK$11,107
baseline
▲ 0.50% · 4.625%
HK$11,783
+HK$676/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,214/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$11,628
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,939
−HK$317/mo
Today · 4.125%
HK$12,256
baseline
▲ 0.50% · 4.625%
HK$12,902
+HK$646/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,512/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$12,194
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,573
−HK$385/mo
Today · 4.125%
HK$12,958
baseline
▲ 0.50% · 4.625%
HK$13,747
+HK$789/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$25,916/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$13,566
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,929
−HK$369/mo
Today · 4.125%
HK$14,298
baseline
▲ 0.50% · 4.625%
HK$15,052
+HK$754/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$28,596/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$15,678
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,165
−HK$496/mo
Today · 4.125%
HK$16,661
baseline
▲ 0.50% · 4.625%
HK$17,675
+HK$1,014/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,322/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$17,441
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,909
−HK$475/mo
Today · 4.125%
HK$18,384
baseline
▲ 0.50% · 4.625%
HK$19,353
+HK$969/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,768/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).