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$8,705
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,976
−HK$275/mo
Today · 4.125%
HK$9,251
baseline
▲ 0.50% · 4.625%
HK$9,814
+HK$563/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,502/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$9,684
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,944
−HK$263/mo
Today · 4.125%
HK$10,207
baseline
▲ 0.50% · 4.625%
HK$10,745
+HK$538/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,414/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$10,446
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,771
−HK$330/mo
Today · 4.125%
HK$11,101
baseline
▲ 0.50% · 4.625%
HK$11,776
+HK$675/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,202/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$11,621
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,933
−HK$316/mo
Today · 4.125%
HK$12,249
baseline
▲ 0.50% · 4.625%
HK$12,894
+HK$645/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,498/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$12,187
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,566
−HK$385/mo
Today · 4.125%
HK$12,951
baseline
▲ 0.50% · 4.625%
HK$13,739
+HK$788/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$25,902/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$13,558
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,921
−HK$369/mo
Today · 4.125%
HK$14,290
baseline
▲ 0.50% · 4.625%
HK$15,043
+HK$753/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$28,580/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$15,669
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,156
−HK$495/mo
Today · 4.125%
HK$16,651
baseline
▲ 0.50% · 4.625%
HK$17,664
+HK$1,013/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,302/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$17,431
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,899
−HK$474/mo
Today · 4.125%
HK$18,373
baseline
▲ 0.50% · 4.625%
HK$19,342
+HK$969/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,746/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).