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$8,696
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,967
−HK$274/mo
Today · 4.125%
HK$9,241
baseline
▲ 0.50% · 4.625%
HK$9,804
+HK$563/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,482/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$9,674
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,934
−HK$263/mo
Today · 4.125%
HK$10,197
baseline
▲ 0.50% · 4.625%
HK$10,734
+HK$537/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,394/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$10,435
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,760
−HK$330/mo
Today · 4.125%
HK$11,090
baseline
▲ 0.50% · 4.625%
HK$11,764
+HK$674/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,180/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$11,609
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,921
−HK$315/mo
Today · 4.125%
HK$12,236
baseline
▲ 0.50% · 4.625%
HK$12,881
+HK$645/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,472/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$12,174
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,553
−HK$385/mo
Today · 4.125%
HK$12,938
baseline
▲ 0.50% · 4.625%
HK$13,725
+HK$787/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$25,876/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,544
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,907
−HK$369/mo
Today · 4.125%
HK$14,276
baseline
▲ 0.50% · 4.625%
HK$15,028
+HK$752/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$28,552/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,653
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,140
−HK$495/mo
Today · 4.125%
HK$16,635
baseline
▲ 0.50% · 4.625%
HK$17,647
+HK$1,012/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$33,270/mo (50% DSR)
Upfront cash ≈ HK$381K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,414
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,881
−HK$474/mo
Today · 4.125%
HK$18,355
baseline
▲ 0.50% · 4.625%
HK$19,322
+HK$967/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$36,710/mo (50% DSR)
Upfront cash ≈ HK$381K (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).