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$8,690
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,960
−HK$275/mo
Today · 4.125%
HK$9,235
baseline
▲ 0.50% · 4.625%
HK$9,797
+HK$562/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,470/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$9,667
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,927
−HK$263/mo
Today · 4.125%
HK$10,190
baseline
▲ 0.50% · 4.625%
HK$10,727
+HK$537/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,380/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$10,428
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,752
−HK$330/mo
Today · 4.125%
HK$11,082
baseline
▲ 0.50% · 4.625%
HK$11,756
+HK$674/mo
Deposit HK$1.52M · loan HK$2.29M · min. income ≈ HK$22,164/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$11,601
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,912
−HK$316/mo
Today · 4.125%
HK$12,228
baseline
▲ 0.50% · 4.625%
HK$12,872
+HK$644/mo
Deposit HK$1.52M · loan HK$2.29M · min. income ≈ HK$24,456/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$12,166
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,544
−HK$385/mo
Today · 4.125%
HK$12,929
baseline
▲ 0.50% · 4.625%
HK$13,715
+HK$786/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$25,858/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$13,534
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,897
−HK$368/mo
Today · 4.125%
HK$14,265
baseline
▲ 0.50% · 4.625%
HK$15,017
+HK$752/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$28,530/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$15,642
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,128
−HK$494/mo
Today · 4.125%
HK$16,622
baseline
▲ 0.50% · 4.625%
HK$17,634
+HK$1,012/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$33,244/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$17,401
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,868
−HK$473/mo
Today · 4.125%
HK$18,341
baseline
▲ 0.50% · 4.625%
HK$19,308
+HK$967/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$36,682/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).