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$8,701
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,971
−HK$275/mo
Today · 4.125%
HK$9,246
baseline
▲ 0.50% · 4.625%
HK$9,809
+HK$563/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,492/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$9,679
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,939
−HK$263/mo
Today · 4.125%
HK$10,202
baseline
▲ 0.50% · 4.625%
HK$10,740
+HK$538/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,404/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$10,441
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,766
−HK$330/mo
Today · 4.125%
HK$11,096
baseline
▲ 0.50% · 4.625%
HK$11,771
+HK$675/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,192/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$11,615
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,927
−HK$316/mo
Today · 4.125%
HK$12,243
baseline
▲ 0.50% · 4.625%
HK$12,888
+HK$645/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,486/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$12,181
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,560
−HK$385/mo
Today · 4.125%
HK$12,945
baseline
▲ 0.50% · 4.625%
HK$13,732
+HK$787/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$25,890/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$13,551
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,915
−HK$368/mo
Today · 4.125%
HK$14,283
baseline
▲ 0.50% · 4.625%
HK$15,036
+HK$753/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$28,566/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$15,661
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,148
−HK$495/mo
Today · 4.125%
HK$16,643
baseline
▲ 0.50% · 4.625%
HK$17,656
+HK$1,013/mo
Deposit HK$382K · loan HK$3.43M · min. income ≈ HK$33,286/mo (50% DSR)
Upfront cash ≈ HK$382K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,423
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,890
−HK$474/mo
Today · 4.125%
HK$18,364
baseline
▲ 0.50% · 4.625%
HK$19,332
+HK$968/mo
Deposit HK$382K · loan HK$3.43M · min. income ≈ HK$36,728/mo (50% DSR)
Upfront cash ≈ HK$382K (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).