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$8,740
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,012
−HK$276/mo
Today · 4.125%
HK$9,288
baseline
▲ 0.50% · 4.625%
HK$9,853
+HK$565/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,576/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$9,723
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,984
−HK$264/mo
Today · 4.125%
HK$10,248
baseline
▲ 0.50% · 4.625%
HK$10,789
+HK$541/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,496/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$10,488
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,814
−HK$332/mo
Today · 4.125%
HK$11,146
baseline
▲ 0.50% · 4.625%
HK$11,824
+HK$678/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,292/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$11,668
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,981
−HK$317/mo
Today · 4.125%
HK$12,298
baseline
▲ 0.50% · 4.625%
HK$12,946
+HK$648/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,596/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$12,236
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,616
−HK$387/mo
Today · 4.125%
HK$13,003
baseline
▲ 0.50% · 4.625%
HK$13,794
+HK$791/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$26,006/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$13,612
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,977
−HK$371/mo
Today · 4.125%
HK$14,348
baseline
▲ 0.50% · 4.625%
HK$15,104
+HK$756/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,696/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$15,732
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,221
−HK$497/mo
Today · 4.125%
HK$16,718
baseline
▲ 0.50% · 4.625%
HK$17,736
+HK$1,018/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$33,436/mo (50% DSR)
Upfront cash ≈ HK$383K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,501
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,971
−HK$476/mo
Today · 4.125%
HK$18,447
baseline
▲ 0.50% · 4.625%
HK$19,419
+HK$972/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$36,894/mo (50% DSR)
Upfront cash ≈ HK$383K (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).