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$8,716
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,987
−HK$275/mo
Today · 4.125%
HK$9,262
baseline
▲ 0.50% · 4.625%
HK$9,826
+HK$564/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,524/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$9,696
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,956
−HK$264/mo
Today · 4.125%
HK$10,220
baseline
▲ 0.50% · 4.625%
HK$10,758
+HK$538/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,440/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$10,459
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,784
−HK$330/mo
Today · 4.125%
HK$11,114
baseline
▲ 0.50% · 4.625%
HK$11,791
+HK$677/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,228/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$11,635
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,947
−HK$317/mo
Today · 4.125%
HK$12,264
baseline
▲ 0.50% · 4.625%
HK$12,910
+HK$646/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,528/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$12,202
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,581
−HK$386/mo
Today · 4.125%
HK$12,967
baseline
▲ 0.50% · 4.625%
HK$13,756
+HK$789/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,934/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$13,574
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,938
−HK$370/mo
Today · 4.125%
HK$14,308
baseline
▲ 0.50% · 4.625%
HK$15,062
+HK$754/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,616/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$15,688
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,176
−HK$496/mo
Today · 4.125%
HK$16,672
baseline
▲ 0.50% · 4.625%
HK$17,686
+HK$1,014/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,344/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$17,453
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,921
−HK$475/mo
Today · 4.125%
HK$18,396
baseline
▲ 0.50% · 4.625%
HK$19,365
+HK$969/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,792/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).