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$8,698
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,969
−HK$275/mo
Today · 4.125%
HK$9,244
baseline
▲ 0.50% · 4.625%
HK$9,806
+HK$562/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,488/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$9,677
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,936
−HK$263/mo
Today · 4.125%
HK$10,199
baseline
▲ 0.50% · 4.625%
HK$10,737
+HK$538/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,398/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$10,438
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,762
−HK$330/mo
Today · 4.125%
HK$11,092
baseline
▲ 0.50% · 4.625%
HK$11,767
+HK$675/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,184/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$11,612
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,923
−HK$316/mo
Today · 4.125%
HK$12,239
baseline
▲ 0.50% · 4.625%
HK$12,884
+HK$645/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,478/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$12,177
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,556
−HK$385/mo
Today · 4.125%
HK$12,941
baseline
▲ 0.50% · 4.625%
HK$13,728
+HK$787/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$25,882/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,547
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,911
−HK$368/mo
Today · 4.125%
HK$14,279
baseline
▲ 0.50% · 4.625%
HK$15,032
+HK$753/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$28,558/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,657
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,144
−HK$494/mo
Today · 4.125%
HK$16,638
baseline
▲ 0.50% · 4.625%
HK$17,651
+HK$1,013/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$33,276/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$17,418
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,885
−HK$474/mo
Today · 4.125%
HK$18,359
baseline
▲ 0.50% · 4.625%
HK$19,327
+HK$968/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$36,718/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).