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$8,726
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,998
−HK$275/mo
Today · 4.125%
HK$9,273
baseline
▲ 0.50% · 4.625%
HK$9,838
+HK$565/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,546/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$9,708
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,968
−HK$264/mo
Today · 4.125%
HK$10,232
baseline
▲ 0.50% · 4.625%
HK$10,772
+HK$540/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,464/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$10,471
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,797
−HK$331/mo
Today · 4.125%
HK$11,128
baseline
▲ 0.50% · 4.625%
HK$11,805
+HK$677/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,256/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$11,649
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,962
−HK$317/mo
Today · 4.125%
HK$12,279
baseline
▲ 0.50% · 4.625%
HK$12,926
+HK$647/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,558/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$12,217
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,597
−HK$386/mo
Today · 4.125%
HK$12,983
baseline
▲ 0.50% · 4.625%
HK$13,773
+HK$790/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,966/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$13,591
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,955
−HK$370/mo
Today · 4.125%
HK$14,325
baseline
▲ 0.50% · 4.625%
HK$15,080
+HK$755/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,650/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$15,707
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,196
−HK$496/mo
Today · 4.125%
HK$16,692
baseline
▲ 0.50% · 4.625%
HK$17,708
+HK$1,016/mo
Deposit HK$383K · loan HK$3.44M · min. income ≈ HK$33,384/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$17,474
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,943
−HK$475/mo
Today · 4.125%
HK$18,418
baseline
▲ 0.50% · 4.625%
HK$19,389
+HK$971/mo
Deposit HK$383K · loan HK$3.44M · min. income ≈ HK$36,836/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).