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$8,768
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,041
−HK$277/mo
Today · 4.125%
HK$9,318
baseline
▲ 0.50% · 4.625%
HK$9,885
+HK$567/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,636/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$9,754
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,016
−HK$265/mo
Today · 4.125%
HK$10,281
baseline
▲ 0.50% · 4.625%
HK$10,823
+HK$542/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,562/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$10,522
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,849
−HK$332/mo
Today · 4.125%
HK$11,181
baseline
▲ 0.50% · 4.625%
HK$11,862
+HK$681/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,362/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$11,705
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,019
−HK$319/mo
Today · 4.125%
HK$12,338
baseline
▲ 0.50% · 4.625%
HK$12,988
+HK$650/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,676/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$12,275
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,657
−HK$388/mo
Today · 4.125%
HK$13,045
baseline
▲ 0.50% · 4.625%
HK$13,839
+HK$794/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,090/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$13,656
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,022
−HK$372/mo
Today · 4.125%
HK$14,394
baseline
▲ 0.50% · 4.625%
HK$15,153
+HK$759/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,788/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$15,783
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,273
−HK$499/mo
Today · 4.125%
HK$16,772
baseline
▲ 0.50% · 4.625%
HK$17,793
+HK$1,021/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$33,544/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$17,558
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,029
−HK$477/mo
Today · 4.125%
HK$18,506
baseline
▲ 0.50% · 4.625%
HK$19,482
+HK$976/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$37,012/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).