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$8,731
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,003
−HK$276/mo
Today · 4.125%
HK$9,279
baseline
▲ 0.50% · 4.625%
HK$9,843
+HK$564/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,558/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$9,713
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,974
−HK$264/mo
Today · 4.125%
HK$10,238
baseline
▲ 0.50% · 4.625%
HK$10,778
+HK$540/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,476/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$10,477
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,803
−HK$331/mo
Today · 4.125%
HK$11,134
baseline
▲ 0.50% · 4.625%
HK$11,812
+HK$678/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,268/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$11,656
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,968
−HK$318/mo
Today · 4.125%
HK$12,286
baseline
▲ 0.50% · 4.625%
HK$12,933
+HK$647/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,572/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$12,223
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,604
−HK$386/mo
Today · 4.125%
HK$12,990
baseline
▲ 0.50% · 4.625%
HK$13,780
+HK$790/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,980/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$13,598
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,963
−HK$370/mo
Today · 4.125%
HK$14,333
baseline
▲ 0.50% · 4.625%
HK$15,089
+HK$756/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,666/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$15,716
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,205
−HK$496/mo
Today · 4.125%
HK$16,701
baseline
▲ 0.50% · 4.625%
HK$17,718
+HK$1,017/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$33,402/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$17,484
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,953
−HK$475/mo
Today · 4.125%
HK$18,428
baseline
▲ 0.50% · 4.625%
HK$19,400
+HK$972/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$36,856/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).