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$8,770
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,042
−HK$278/mo
Today · 4.125%
HK$9,320
baseline
▲ 0.50% · 4.625%
HK$9,887
+HK$567/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,640/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$9,756
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,018
−HK$265/mo
Today · 4.125%
HK$10,283
baseline
▲ 0.50% · 4.625%
HK$10,825
+HK$542/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,566/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$10,524
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,851
−HK$332/mo
Today · 4.125%
HK$11,183
baseline
▲ 0.50% · 4.625%
HK$11,864
+HK$681/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,366/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$11,707
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,021
−HK$319/mo
Today · 4.125%
HK$12,340
baseline
▲ 0.50% · 4.625%
HK$12,990
+HK$650/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,680/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$12,278
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,659
−HK$388/mo
Today · 4.125%
HK$13,047
baseline
▲ 0.50% · 4.625%
HK$13,841
+HK$794/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,094/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$13,659
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,025
−HK$372/mo
Today · 4.125%
HK$14,397
baseline
▲ 0.50% · 4.625%
HK$15,155
+HK$758/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,794/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$15,785
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,276
−HK$499/mo
Today · 4.125%
HK$16,775
baseline
▲ 0.50% · 4.625%
HK$17,796
+HK$1,021/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$33,550/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$17,561
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,032
−HK$478/mo
Today · 4.125%
HK$18,510
baseline
▲ 0.50% · 4.625%
HK$19,486
+HK$976/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$37,020/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).