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$8,691
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,962
−HK$275/mo
Today · 4.125%
HK$9,237
baseline
▲ 0.50% · 4.625%
HK$9,799
+HK$562/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,474/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$9,669
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,928
−HK$264/mo
Today · 4.125%
HK$10,192
baseline
▲ 0.50% · 4.625%
HK$10,729
+HK$537/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,384/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$10,430
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,754
−HK$330/mo
Today · 4.125%
HK$11,084
baseline
▲ 0.50% · 4.625%
HK$11,758
+HK$674/mo
Deposit HK$1.52M · loan HK$2.29M · min. income ≈ HK$22,168/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,603
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,914
−HK$316/mo
Today · 4.125%
HK$12,230
baseline
▲ 0.50% · 4.625%
HK$12,875
+HK$645/mo
Deposit HK$1.52M · loan HK$2.29M · min. income ≈ HK$24,460/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,168
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,547
−HK$384/mo
Today · 4.125%
HK$12,931
baseline
▲ 0.50% · 4.625%
HK$13,718
+HK$787/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$25,862/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,537
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,900
−HK$368/mo
Today · 4.125%
HK$14,268
baseline
▲ 0.50% · 4.625%
HK$15,020
+HK$752/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$28,536/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,645
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,131
−HK$495/mo
Today · 4.125%
HK$16,626
baseline
▲ 0.50% · 4.625%
HK$17,637
+HK$1,011/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$33,252/mo (50% DSR)
Upfront cash ≈ HK$381K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,405
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,871
−HK$474/mo
Today · 4.125%
HK$18,345
baseline
▲ 0.50% · 4.625%
HK$19,312
+HK$967/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$36,690/mo (50% DSR)
Upfront cash ≈ HK$381K (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).