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$8,746
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,018
−HK$276/mo
Today · 4.125%
HK$9,294
baseline
▲ 0.50% · 4.625%
HK$9,860
+HK$566/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,588/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,730
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,991
−HK$265/mo
Today · 4.125%
HK$10,256
baseline
▲ 0.50% · 4.625%
HK$10,796
+HK$540/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,512/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,495
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,822
−HK$331/mo
Today · 4.125%
HK$11,153
baseline
▲ 0.50% · 4.625%
HK$11,832
+HK$679/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,306/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$11,676
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,989
−HK$318/mo
Today · 4.125%
HK$12,307
baseline
▲ 0.50% · 4.625%
HK$12,955
+HK$648/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,614/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$12,244
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,625
−HK$387/mo
Today · 4.125%
HK$13,012
baseline
▲ 0.50% · 4.625%
HK$13,804
+HK$792/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$26,024/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$13,622
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,987
−HK$371/mo
Today · 4.125%
HK$14,358
baseline
▲ 0.50% · 4.625%
HK$15,115
+HK$757/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,716/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$15,743
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,233
−HK$497/mo
Today · 4.125%
HK$16,730
baseline
▲ 0.50% · 4.625%
HK$17,748
+HK$1,018/mo
Deposit HK$384K · loan HK$3.45M · min. income ≈ HK$33,460/mo (50% DSR)
Upfront cash ≈ HK$384K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,514
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,983
−HK$477/mo
Today · 4.125%
HK$18,460
baseline
▲ 0.50% · 4.625%
HK$19,433
+HK$973/mo
Deposit HK$384K · loan HK$3.45M · min. income ≈ HK$36,920/mo (50% DSR)
Upfront cash ≈ HK$384K (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).