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$8,778
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,052
−HK$277/mo
Today · 4.125%
HK$9,329
baseline
▲ 0.50% · 4.625%
HK$9,897
+HK$568/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,658/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$9,766
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,028
−HK$266/mo
Today · 4.125%
HK$10,294
baseline
▲ 0.50% · 4.625%
HK$10,836
+HK$542/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,588/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$10,534
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,862
−HK$333/mo
Today · 4.125%
HK$11,195
baseline
▲ 0.50% · 4.625%
HK$11,876
+HK$681/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,390/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$11,719
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,033
−HK$319/mo
Today · 4.125%
HK$12,352
baseline
▲ 0.50% · 4.625%
HK$13,003
+HK$651/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,704/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$12,290
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,672
−HK$389/mo
Today · 4.125%
HK$13,061
baseline
▲ 0.50% · 4.625%
HK$13,855
+HK$794/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,122/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,672
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,039
−HK$372/mo
Today · 4.125%
HK$14,411
baseline
▲ 0.50% · 4.625%
HK$15,171
+HK$760/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,822/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,801
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,293
−HK$499/mo
Today · 4.125%
HK$16,792
baseline
▲ 0.50% · 4.625%
HK$17,814
+HK$1,022/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$33,584/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$17,579
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,050
−HK$478/mo
Today · 4.125%
HK$18,528
baseline
▲ 0.50% · 4.625%
HK$19,505
+HK$977/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$37,056/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).