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$8,747
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,019
−HK$276/mo
Today · 4.125%
HK$9,295
baseline
▲ 0.50% · 4.625%
HK$9,861
+HK$566/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,590/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$9,731
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,992
−HK$264/mo
Today · 4.125%
HK$10,256
baseline
▲ 0.50% · 4.625%
HK$10,797
+HK$541/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,512/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$10,496
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,823
−HK$331/mo
Today · 4.125%
HK$11,154
baseline
▲ 0.50% · 4.625%
HK$11,833
+HK$679/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,308/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$11,677
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,990
−HK$318/mo
Today · 4.125%
HK$12,308
baseline
▲ 0.50% · 4.625%
HK$12,956
+HK$648/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,616/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$12,245
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,626
−HK$387/mo
Today · 4.125%
HK$13,013
baseline
▲ 0.50% · 4.625%
HK$13,805
+HK$792/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,026/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$13,623
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,988
−HK$371/mo
Today · 4.125%
HK$14,359
baseline
▲ 0.50% · 4.625%
HK$15,116
+HK$757/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,718/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$15,744
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,234
−HK$497/mo
Today · 4.125%
HK$16,731
baseline
▲ 0.50% · 4.625%
HK$17,750
+HK$1,019/mo
Deposit HK$384K · loan HK$3.45M · min. income ≈ HK$33,462/mo (50% DSR)
Upfront cash ≈ HK$384K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,515
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,985
−HK$477/mo
Today · 4.125%
HK$18,462
baseline
▲ 0.50% · 4.625%
HK$19,435
+HK$973/mo
Deposit HK$384K · loan HK$3.45M · min. income ≈ HK$36,924/mo (50% DSR)
Upfront cash ≈ HK$384K (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).