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$8,755
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,027
−HK$277/mo
Today · 4.125%
HK$9,304
baseline
▲ 0.50% · 4.625%
HK$9,870
+HK$566/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,608/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$9,739
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,001
−HK$265/mo
Today · 4.125%
HK$10,266
baseline
▲ 0.50% · 4.625%
HK$10,807
+HK$541/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,532/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$10,506
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,832
−HK$332/mo
Today · 4.125%
HK$11,164
baseline
▲ 0.50% · 4.625%
HK$11,844
+HK$680/mo
Deposit HK$1.54M · loan HK$2.30M · min. income ≈ HK$22,328/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,687
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,001
−HK$318/mo
Today · 4.125%
HK$12,319
baseline
▲ 0.50% · 4.625%
HK$12,968
+HK$649/mo
Deposit HK$1.54M · loan HK$2.30M · min. income ≈ HK$24,638/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,257
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,638
−HK$387/mo
Today · 4.125%
HK$13,025
baseline
▲ 0.50% · 4.625%
HK$13,818
+HK$793/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,050/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$13,635
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,001
−HK$371/mo
Today · 4.125%
HK$14,372
baseline
▲ 0.50% · 4.625%
HK$15,129
+HK$757/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,744/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$15,758
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,249
−HK$498/mo
Today · 4.125%
HK$16,747
baseline
▲ 0.50% · 4.625%
HK$17,766
+HK$1,019/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$33,494/mo (50% DSR)
Upfront cash ≈ HK$384K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,531
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,001
−HK$477/mo
Today · 4.125%
HK$18,478
baseline
▲ 0.50% · 4.625%
HK$19,452
+HK$974/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$36,956/mo (50% DSR)
Upfront cash ≈ HK$384K (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).