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$8,733
−HK$547/mo
▼ 0.25% · 3.875%
HK$9,004
−HK$276/mo
Today · 4.125%
HK$9,280
baseline
▲ 0.50% · 4.625%
HK$9,845
+HK$565/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,560/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$9,715
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,976
−HK$264/mo
Today · 4.125%
HK$10,240
baseline
▲ 0.50% · 4.625%
HK$10,780
+HK$540/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,480/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$10,479
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,805
−HK$331/mo
Today · 4.125%
HK$11,136
baseline
▲ 0.50% · 4.625%
HK$11,814
+HK$678/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,272/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$11,658
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,971
−HK$317/mo
Today · 4.125%
HK$12,288
baseline
▲ 0.50% · 4.625%
HK$12,936
+HK$648/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,576/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$12,226
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,606
−HK$386/mo
Today · 4.125%
HK$12,992
baseline
▲ 0.50% · 4.625%
HK$13,783
+HK$791/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,984/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$13,601
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,966
−HK$370/mo
Today · 4.125%
HK$14,336
baseline
▲ 0.50% · 4.625%
HK$15,091
+HK$755/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,672/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$15,719
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,208
−HK$496/mo
Today · 4.125%
HK$16,704
baseline
▲ 0.50% · 4.625%
HK$17,721
+HK$1,017/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$33,408/mo (50% DSR)
Upfront cash ≈ HK$383K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,487
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,956
−HK$476/mo
Today · 4.125%
HK$18,432
baseline
▲ 0.50% · 4.625%
HK$19,403
+HK$971/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$36,864/mo (50% DSR)
Upfront cash ≈ HK$383K (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).