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$8,761
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,033
−HK$277/mo
Today · 4.125%
HK$9,310
baseline
▲ 0.50% · 4.625%
HK$9,877
+HK$567/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,620/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$9,746
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,008
−HK$265/mo
Today · 4.125%
HK$10,273
baseline
▲ 0.50% · 4.625%
HK$10,814
+HK$541/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,546/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$10,513
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,840
−HK$332/mo
Today · 4.125%
HK$11,172
baseline
▲ 0.50% · 4.625%
HK$11,852
+HK$680/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,344/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$11,696
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,009
−HK$319/mo
Today · 4.125%
HK$12,328
baseline
▲ 0.50% · 4.625%
HK$12,977
+HK$649/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,656/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$12,265
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,647
−HK$387/mo
Today · 4.125%
HK$13,034
baseline
▲ 0.50% · 4.625%
HK$13,827
+HK$793/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,068/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$13,645
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,011
−HK$371/mo
Today · 4.125%
HK$14,382
baseline
▲ 0.50% · 4.625%
HK$15,140
+HK$758/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,764/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$15,770
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,260
−HK$498/mo
Today · 4.125%
HK$16,758
baseline
▲ 0.50% · 4.625%
HK$17,778
+HK$1,020/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$33,516/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$17,543
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,014
−HK$477/mo
Today · 4.125%
HK$18,491
baseline
▲ 0.50% · 4.625%
HK$19,466
+HK$975/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$36,982/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).