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$8,711
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,982
−HK$275/mo
Today · 4.125%
HK$9,257
baseline
▲ 0.50% · 4.625%
HK$9,821
+HK$564/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,514/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$9,691
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,951
−HK$264/mo
Today · 4.125%
HK$10,215
baseline
▲ 0.50% · 4.625%
HK$10,753
+HK$538/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,430/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$10,453
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,778
−HK$331/mo
Today · 4.125%
HK$11,109
baseline
▲ 0.50% · 4.625%
HK$11,785
+HK$676/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,218/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$11,629
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,941
−HK$316/mo
Today · 4.125%
HK$12,257
baseline
▲ 0.50% · 4.625%
HK$12,904
+HK$647/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,514/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$12,196
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,575
−HK$385/mo
Today · 4.125%
HK$12,960
baseline
▲ 0.50% · 4.625%
HK$13,749
+HK$789/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$25,920/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$13,567
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,931
−HK$369/mo
Today · 4.125%
HK$14,300
baseline
▲ 0.50% · 4.625%
HK$15,054
+HK$754/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$28,600/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$15,680
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,168
−HK$495/mo
Today · 4.125%
HK$16,663
baseline
▲ 0.50% · 4.625%
HK$17,677
+HK$1,014/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,326/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$17,444
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,912
−HK$474/mo
Today · 4.125%
HK$18,386
baseline
▲ 0.50% · 4.625%
HK$19,355
+HK$969/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,772/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).