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$8,775
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,047
−HK$278/mo
Today · 4.125%
HK$9,325
baseline
▲ 0.50% · 4.625%
HK$9,892
+HK$567/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,650/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$9,762
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,023
−HK$266/mo
Today · 4.125%
HK$10,289
baseline
▲ 0.50% · 4.625%
HK$10,831
+HK$542/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,578/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$10,529
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,857
−HK$333/mo
Today · 4.125%
HK$11,190
baseline
▲ 0.50% · 4.625%
HK$11,871
+HK$681/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,380/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$11,714
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,028
−HK$319/mo
Today · 4.125%
HK$12,347
baseline
▲ 0.50% · 4.625%
HK$12,998
+HK$651/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,694/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$12,284
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,666
−HK$389/mo
Today · 4.125%
HK$13,055
baseline
▲ 0.50% · 4.625%
HK$13,849
+HK$794/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,110/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$13,666
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,033
−HK$372/mo
Today · 4.125%
HK$14,405
baseline
▲ 0.50% · 4.625%
HK$15,164
+HK$759/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,810/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$15,794
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,285
−HK$500/mo
Today · 4.125%
HK$16,785
baseline
▲ 0.50% · 4.625%
HK$17,806
+HK$1,021/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$33,570/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$17,571
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,042
−HK$478/mo
Today · 4.125%
HK$18,520
baseline
▲ 0.50% · 4.625%
HK$19,496
+HK$976/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$37,040/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).