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$8,761
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,034
−HK$277/mo
Today · 4.125%
HK$9,311
baseline
▲ 0.50% · 4.625%
HK$9,877
+HK$566/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,622/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$9,747
−HK$526/mo
▼ 0.25% · 3.875%
HK$10,008
−HK$265/mo
Today · 4.125%
HK$10,273
baseline
▲ 0.50% · 4.625%
HK$10,815
+HK$542/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,546/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$10,513
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,840
−HK$333/mo
Today · 4.125%
HK$11,173
baseline
▲ 0.50% · 4.625%
HK$11,852
+HK$679/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,346/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$11,696
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,010
−HK$318/mo
Today · 4.125%
HK$12,328
baseline
▲ 0.50% · 4.625%
HK$12,978
+HK$650/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,656/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$12,266
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,647
−HK$388/mo
Today · 4.125%
HK$13,035
baseline
▲ 0.50% · 4.625%
HK$13,828
+HK$793/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,070/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$13,645
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,011
−HK$372/mo
Today · 4.125%
HK$14,383
baseline
▲ 0.50% · 4.625%
HK$15,141
+HK$758/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,766/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$15,770
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,261
−HK$498/mo
Today · 4.125%
HK$16,759
baseline
▲ 0.50% · 4.625%
HK$17,779
+HK$1,020/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$33,518/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$17,544
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,015
−HK$477/mo
Today · 4.125%
HK$18,492
baseline
▲ 0.50% · 4.625%
HK$19,467
+HK$975/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$36,984/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).