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$8,714
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,985
−HK$276/mo
Today · 4.125%
HK$9,261
baseline
▲ 0.50% · 4.625%
HK$9,824
+HK$563/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,522/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$9,695
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,955
−HK$263/mo
Today · 4.125%
HK$10,218
baseline
▲ 0.50% · 4.625%
HK$10,757
+HK$539/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,436/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$10,457
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,783
−HK$330/mo
Today · 4.125%
HK$11,113
baseline
▲ 0.50% · 4.625%
HK$11,789
+HK$676/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,226/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$11,634
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,946
−HK$316/mo
Today · 4.125%
HK$12,262
baseline
▲ 0.50% · 4.625%
HK$12,909
+HK$647/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,524/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$12,200
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,580
−HK$385/mo
Today · 4.125%
HK$12,965
baseline
▲ 0.50% · 4.625%
HK$13,754
+HK$789/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,930/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$13,573
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,937
−HK$369/mo
Today · 4.125%
HK$14,306
baseline
▲ 0.50% · 4.625%
HK$15,060
+HK$754/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,612/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$15,686
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,174
−HK$496/mo
Today · 4.125%
HK$16,670
baseline
▲ 0.50% · 4.625%
HK$17,684
+HK$1,014/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,340/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$17,450
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,918
−HK$475/mo
Today · 4.125%
HK$18,393
baseline
▲ 0.50% · 4.625%
HK$19,363
+HK$970/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,786/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).