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$8,765
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,038
−HK$277/mo
Today · 4.125%
HK$9,315
baseline
▲ 0.50% · 4.625%
HK$9,882
+HK$567/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,630/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$9,751
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,013
−HK$265/mo
Today · 4.125%
HK$10,278
baseline
▲ 0.50% · 4.625%
HK$10,820
+HK$542/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,556/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$10,518
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,845
−HK$333/mo
Today · 4.125%
HK$11,178
baseline
▲ 0.50% · 4.625%
HK$11,858
+HK$680/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,356/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$11,701
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,015
−HK$318/mo
Today · 4.125%
HK$12,333
baseline
▲ 0.50% · 4.625%
HK$12,984
+HK$651/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,666/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$12,271
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,653
−HK$388/mo
Today · 4.125%
HK$13,041
baseline
▲ 0.50% · 4.625%
HK$13,834
+HK$793/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,082/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$13,651
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,018
−HK$371/mo
Today · 4.125%
HK$14,389
baseline
▲ 0.50% · 4.625%
HK$15,147
+HK$758/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,778/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$15,777
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,268
−HK$499/mo
Today · 4.125%
HK$16,767
baseline
▲ 0.50% · 4.625%
HK$17,787
+HK$1,020/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$33,534/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$17,552
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,023
−HK$477/mo
Today · 4.125%
HK$18,500
baseline
▲ 0.50% · 4.625%
HK$19,475
+HK$975/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$37,000/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).