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$8,757
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,029
−HK$277/mo
Today · 4.125%
HK$9,306
baseline
▲ 0.50% · 4.625%
HK$9,873
+HK$567/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,612/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$9,742
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,003
−HK$266/mo
Today · 4.125%
HK$10,269
baseline
▲ 0.50% · 4.625%
HK$10,810
+HK$541/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,538/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$10,509
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,835
−HK$332/mo
Today · 4.125%
HK$11,167
baseline
▲ 0.50% · 4.625%
HK$11,847
+HK$680/mo
Deposit HK$1.54M · loan HK$2.30M · min. income ≈ HK$22,334/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$11,691
−HK$631/mo
▼ 0.25% · 3.875%
HK$12,004
−HK$318/mo
Today · 4.125%
HK$12,322
baseline
▲ 0.50% · 4.625%
HK$12,972
+HK$650/mo
Deposit HK$1.54M · loan HK$2.30M · min. income ≈ HK$24,644/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$12,260
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,641
−HK$388/mo
Today · 4.125%
HK$13,029
baseline
▲ 0.50% · 4.625%
HK$13,822
+HK$793/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,058/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$13,639
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,005
−HK$371/mo
Today · 4.125%
HK$14,376
baseline
▲ 0.50% · 4.625%
HK$15,134
+HK$758/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,752/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$15,763
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,253
−HK$498/mo
Today · 4.125%
HK$16,751
baseline
▲ 0.50% · 4.625%
HK$17,771
+HK$1,020/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$33,502/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$17,536
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,006
−HK$477/mo
Today · 4.125%
HK$18,483
baseline
▲ 0.50% · 4.625%
HK$19,458
+HK$975/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$36,966/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).