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$8,773
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,046
−HK$277/mo
Today · 4.125%
HK$9,323
baseline
▲ 0.50% · 4.625%
HK$9,891
+HK$568/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,646/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$9,760
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,022
−HK$265/mo
Today · 4.125%
HK$10,287
baseline
▲ 0.50% · 4.625%
HK$10,830
+HK$543/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,574/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$10,528
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,855
−HK$333/mo
Today · 4.125%
HK$11,188
baseline
▲ 0.50% · 4.625%
HK$11,869
+HK$681/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,376/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$11,712
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,026
−HK$319/mo
Today · 4.125%
HK$12,345
baseline
▲ 0.50% · 4.625%
HK$12,996
+HK$651/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,690/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$12,282
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,665
−HK$388/mo
Today · 4.125%
HK$13,053
baseline
▲ 0.50% · 4.625%
HK$13,847
+HK$794/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,106/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$13,664
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,031
−HK$371/mo
Today · 4.125%
HK$14,402
baseline
▲ 0.50% · 4.625%
HK$15,162
+HK$760/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,804/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$15,792
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,283
−HK$499/mo
Today · 4.125%
HK$16,782
baseline
▲ 0.50% · 4.625%
HK$17,803
+HK$1,021/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$33,564/mo (50% DSR)
Upfront cash ≈ HK$385K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,568
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,039
−HK$478/mo
Today · 4.125%
HK$18,517
baseline
▲ 0.50% · 4.625%
HK$19,493
+HK$976/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$37,034/mo (50% DSR)
Upfront cash ≈ HK$385K (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).