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$8,766
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,039
−HK$277/mo
Today · 4.125%
HK$9,316
baseline
▲ 0.50% · 4.625%
HK$9,883
+HK$567/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,632/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$9,752
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,014
−HK$265/mo
Today · 4.125%
HK$10,279
baseline
▲ 0.50% · 4.625%
HK$10,821
+HK$542/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,558/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$10,519
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,847
−HK$332/mo
Today · 4.125%
HK$11,179
baseline
▲ 0.50% · 4.625%
HK$11,859
+HK$680/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,358/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$11,703
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,017
−HK$318/mo
Today · 4.125%
HK$12,335
baseline
▲ 0.50% · 4.625%
HK$12,985
+HK$650/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,670/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$12,273
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,654
−HK$388/mo
Today · 4.125%
HK$13,042
baseline
▲ 0.50% · 4.625%
HK$13,836
+HK$794/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,084/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$13,653
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,019
−HK$372/mo
Today · 4.125%
HK$14,391
baseline
▲ 0.50% · 4.625%
HK$15,149
+HK$758/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,782/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$15,779
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,270
−HK$499/mo
Today · 4.125%
HK$16,769
baseline
▲ 0.50% · 4.625%
HK$17,789
+HK$1,020/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$33,538/mo (50% DSR)
Upfront cash ≈ HK$385K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,554
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,025
−HK$477/mo
Today · 4.125%
HK$18,502
baseline
▲ 0.50% · 4.625%
HK$19,478
+HK$976/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$37,004/mo (50% DSR)
Upfront cash ≈ HK$385K (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).