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$8,688
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,959
−HK$274/mo
Today · 4.125%
HK$9,233
baseline
▲ 0.50% · 4.625%
HK$9,795
+HK$562/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,466/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$9,666
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,925
−HK$263/mo
Today · 4.125%
HK$10,188
baseline
▲ 0.50% · 4.625%
HK$10,725
+HK$537/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,376/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$10,426
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,750
−HK$330/mo
Today · 4.125%
HK$11,080
baseline
▲ 0.50% · 4.625%
HK$11,754
+HK$674/mo
Deposit HK$1.52M · loan HK$2.29M · min. income ≈ HK$22,160/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,599
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,910
−HK$315/mo
Today · 4.125%
HK$12,225
baseline
▲ 0.50% · 4.625%
HK$12,870
+HK$645/mo
Deposit HK$1.52M · loan HK$2.29M · min. income ≈ HK$24,450/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,164
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,542
−HK$384/mo
Today · 4.125%
HK$12,926
baseline
▲ 0.50% · 4.625%
HK$13,713
+HK$787/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$25,852/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,532
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,895
−HK$368/mo
Today · 4.125%
HK$14,263
baseline
▲ 0.50% · 4.625%
HK$15,015
+HK$752/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$28,526/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,639
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,125
−HK$495/mo
Today · 4.125%
HK$16,620
baseline
▲ 0.50% · 4.625%
HK$17,631
+HK$1,011/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$33,240/mo (50% DSR)
Upfront cash ≈ HK$381K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,398
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,865
−HK$473/mo
Today · 4.125%
HK$18,338
baseline
▲ 0.50% · 4.625%
HK$19,305
+HK$967/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$36,676/mo (50% DSR)
Upfront cash ≈ HK$381K (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).