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$8,736
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,008
−HK$276/mo
Today · 4.125%
HK$9,284
baseline
▲ 0.50% · 4.625%
HK$9,849
+HK$565/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,568/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$9,719
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,980
−HK$264/mo
Today · 4.125%
HK$10,244
baseline
▲ 0.50% · 4.625%
HK$10,784
+HK$540/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,488/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$10,484
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,810
−HK$331/mo
Today · 4.125%
HK$11,141
baseline
▲ 0.50% · 4.625%
HK$11,819
+HK$678/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,282/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$11,663
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,976
−HK$317/mo
Today · 4.125%
HK$12,293
baseline
▲ 0.50% · 4.625%
HK$12,941
+HK$648/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,586/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$12,231
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,611
−HK$387/mo
Today · 4.125%
HK$12,998
baseline
▲ 0.50% · 4.625%
HK$13,789
+HK$791/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,996/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$13,607
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,972
−HK$370/mo
Today · 4.125%
HK$14,342
baseline
▲ 0.50% · 4.625%
HK$15,098
+HK$756/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,684/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$15,725
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,215
−HK$497/mo
Today · 4.125%
HK$16,712
baseline
▲ 0.50% · 4.625%
HK$17,728
+HK$1,016/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$33,424/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$17,494
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,964
−HK$476/mo
Today · 4.125%
HK$18,440
baseline
▲ 0.50% · 4.625%
HK$19,412
+HK$972/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$36,880/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).