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$8,706
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,977
−HK$275/mo
Today · 4.125%
HK$9,252
baseline
▲ 0.50% · 4.625%
HK$9,815
+HK$563/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,504/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$9,686
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,946
−HK$263/mo
Today · 4.125%
HK$10,209
baseline
▲ 0.50% · 4.625%
HK$10,747
+HK$538/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,418/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$10,448
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,773
−HK$330/mo
Today · 4.125%
HK$11,103
baseline
▲ 0.50% · 4.625%
HK$11,779
+HK$676/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,206/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$11,623
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,935
−HK$316/mo
Today · 4.125%
HK$12,251
baseline
▲ 0.50% · 4.625%
HK$12,897
+HK$646/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,502/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$12,189
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,568
−HK$385/mo
Today · 4.125%
HK$12,953
baseline
▲ 0.50% · 4.625%
HK$13,742
+HK$789/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$25,906/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$13,560
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,924
−HK$369/mo
Today · 4.125%
HK$14,293
baseline
▲ 0.50% · 4.625%
HK$15,046
+HK$753/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$28,586/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$15,672
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,159
−HK$495/mo
Today · 4.125%
HK$16,654
baseline
▲ 0.50% · 4.625%
HK$17,668
+HK$1,014/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,308/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$17,435
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,902
−HK$475/mo
Today · 4.125%
HK$18,377
baseline
▲ 0.50% · 4.625%
HK$19,345
+HK$968/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,754/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).