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$8,745
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,017
−HK$276/mo
Today · 4.125%
HK$9,293
baseline
▲ 0.50% · 4.625%
HK$9,858
+HK$565/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,586/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$9,728
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,989
−HK$265/mo
Today · 4.125%
HK$10,254
baseline
▲ 0.50% · 4.625%
HK$10,794
+HK$540/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,508/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$10,494
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,820
−HK$332/mo
Today · 4.125%
HK$11,152
baseline
▲ 0.50% · 4.625%
HK$11,830
+HK$678/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,304/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$11,674
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,987
−HK$318/mo
Today · 4.125%
HK$12,305
baseline
▲ 0.50% · 4.625%
HK$12,953
+HK$648/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,610/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$12,242
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,623
−HK$387/mo
Today · 4.125%
HK$13,010
baseline
▲ 0.50% · 4.625%
HK$13,802
+HK$792/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$26,020/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$13,620
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,985
−HK$370/mo
Today · 4.125%
HK$14,355
baseline
▲ 0.50% · 4.625%
HK$15,112
+HK$757/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,710/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$15,740
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,230
−HK$497/mo
Today · 4.125%
HK$16,727
baseline
▲ 0.50% · 4.625%
HK$17,745
+HK$1,018/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$33,454/mo (50% DSR)
Upfront cash ≈ HK$384K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,511
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,981
−HK$476/mo
Today · 4.125%
HK$18,457
baseline
▲ 0.50% · 4.625%
HK$19,430
+HK$973/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$36,914/mo (50% DSR)
Upfront cash ≈ HK$384K (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).