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$8,727
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,999
−HK$275/mo
Today · 4.125%
HK$9,274
baseline
▲ 0.50% · 4.625%
HK$9,839
+HK$565/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,548/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$9,709
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,969
−HK$264/mo
Today · 4.125%
HK$10,233
baseline
▲ 0.50% · 4.625%
HK$10,773
+HK$540/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,466/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$10,472
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,798
−HK$331/mo
Today · 4.125%
HK$11,129
baseline
▲ 0.50% · 4.625%
HK$11,806
+HK$677/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,258/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$11,651
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,963
−HK$317/mo
Today · 4.125%
HK$12,280
baseline
▲ 0.50% · 4.625%
HK$12,927
+HK$647/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,560/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$12,218
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,598
−HK$386/mo
Today · 4.125%
HK$12,984
baseline
▲ 0.50% · 4.625%
HK$13,774
+HK$790/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,968/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$13,592
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,957
−HK$370/mo
Today · 4.125%
HK$14,327
baseline
▲ 0.50% · 4.625%
HK$15,082
+HK$755/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,654/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$15,709
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,197
−HK$497/mo
Today · 4.125%
HK$16,694
baseline
▲ 0.50% · 4.625%
HK$17,710
+HK$1,016/mo
Deposit HK$383K · loan HK$3.44M · min. income ≈ HK$33,388/mo (50% DSR)
Upfront cash ≈ HK$383K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,476
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,944
−HK$476/mo
Today · 4.125%
HK$18,420
baseline
▲ 0.50% · 4.625%
HK$19,391
+HK$971/mo
Deposit HK$383K · loan HK$3.44M · min. income ≈ HK$36,840/mo (50% DSR)
Upfront cash ≈ HK$383K (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).