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$8,752
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,024
−HK$277/mo
Today · 4.125%
HK$9,301
baseline
▲ 0.50% · 4.625%
HK$9,867
+HK$566/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,602/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$9,736
−HK$527/mo
▼ 0.25% · 3.875%
HK$9,998
−HK$265/mo
Today · 4.125%
HK$10,263
baseline
▲ 0.50% · 4.625%
HK$10,803
+HK$540/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,526/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$10,502
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,829
−HK$332/mo
Today · 4.125%
HK$11,161
baseline
▲ 0.50% · 4.625%
HK$11,840
+HK$679/mo
Deposit HK$1.54M · loan HK$2.30M · min. income ≈ HK$22,322/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$11,684
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,997
−HK$318/mo
Today · 4.125%
HK$12,315
baseline
▲ 0.50% · 4.625%
HK$12,964
+HK$649/mo
Deposit HK$1.54M · loan HK$2.30M · min. income ≈ HK$24,630/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$12,253
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,634
−HK$387/mo
Today · 4.125%
HK$13,021
baseline
▲ 0.50% · 4.625%
HK$13,813
+HK$792/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,042/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$13,631
−HK$737/mo
▼ 0.25% · 3.875%
HK$13,997
−HK$371/mo
Today · 4.125%
HK$14,368
baseline
▲ 0.50% · 4.625%
HK$15,125
+HK$757/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,736/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$15,754
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,244
−HK$497/mo
Today · 4.125%
HK$16,741
baseline
▲ 0.50% · 4.625%
HK$17,760
+HK$1,019/mo
Deposit HK$384K · loan HK$3.45M · min. income ≈ HK$33,482/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$17,526
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,996
−HK$477/mo
Today · 4.125%
HK$18,473
baseline
▲ 0.50% · 4.625%
HK$19,446
+HK$973/mo
Deposit HK$384K · loan HK$3.45M · min. income ≈ HK$36,946/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).