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$550/mo
▼ 0.25% · 3.875%
HK$9,051
−HK$277/mo
Today · 4.125%
HK$9,328
baseline
▲ 0.50% · 4.625%
HK$9,896
+HK$568/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,656/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$9,765
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,027
−HK$266/mo
Today · 4.125%
HK$10,293
baseline
▲ 0.50% · 4.625%
HK$10,836
+HK$543/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,586/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$10,534
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,861
−HK$333/mo
Today · 4.125%
HK$11,194
baseline
▲ 0.50% · 4.625%
HK$11,875
+HK$681/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,388/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$12,289
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,672
−HK$388/mo
Today · 4.125%
HK$13,060
baseline
▲ 0.50% · 4.625%
HK$13,855
+HK$795/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,120/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$13,672
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,038
−HK$372/mo
Today · 4.125%
HK$14,410
baseline
▲ 0.50% · 4.625%
HK$15,170
+HK$760/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,820/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$15,800
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,292
−HK$499/mo
Today · 4.125%
HK$16,791
baseline
▲ 0.50% · 4.625%
HK$17,813
+HK$1,022/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$33,582/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$17,578
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,049
−HK$479/mo
Today · 4.125%
HK$18,528
baseline
▲ 0.50% · 4.625%
HK$19,504
+HK$976/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).