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$8,742
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,014
−HK$276/mo
Today · 4.125%
HK$9,290
baseline
▲ 0.50% · 4.625%
HK$9,855
+HK$565/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,580/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$9,725
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,986
−HK$265/mo
Today · 4.125%
HK$10,251
baseline
▲ 0.50% · 4.625%
HK$10,791
+HK$540/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,502/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$10,490
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,817
−HK$331/mo
Today · 4.125%
HK$11,148
baseline
▲ 0.50% · 4.625%
HK$11,827
+HK$679/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,296/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$11,670
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,983
−HK$318/mo
Today · 4.125%
HK$12,301
baseline
▲ 0.50% · 4.625%
HK$12,949
+HK$648/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,602/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$12,239
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,620
−HK$386/mo
Today · 4.125%
HK$13,006
baseline
▲ 0.50% · 4.625%
HK$13,798
+HK$792/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$26,012/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$13,616
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,981
−HK$370/mo
Today · 4.125%
HK$14,351
baseline
▲ 0.50% · 4.625%
HK$15,108
+HK$757/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,702/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$15,736
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,225
−HK$497/mo
Today · 4.125%
HK$16,722
baseline
▲ 0.50% · 4.625%
HK$17,740
+HK$1,018/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$33,444/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$17,506
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,975
−HK$476/mo
Today · 4.125%
HK$18,451
baseline
▲ 0.50% · 4.625%
HK$19,424
+HK$973/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$36,902/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).