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$8,695
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,965
−HK$275/mo
Today · 4.125%
HK$9,240
baseline
▲ 0.50% · 4.625%
HK$9,802
+HK$562/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,480/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$9,673
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,932
−HK$263/mo
Today · 4.125%
HK$10,195
baseline
▲ 0.50% · 4.625%
HK$10,733
+HK$538/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,390/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$10,433
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,758
−HK$330/mo
Today · 4.125%
HK$11,088
baseline
▲ 0.50% · 4.625%
HK$11,762
+HK$674/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,176/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$11,607
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,918
−HK$316/mo
Today · 4.125%
HK$12,234
baseline
▲ 0.50% · 4.625%
HK$12,879
+HK$645/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,468/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$12,172
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,551
−HK$385/mo
Today · 4.125%
HK$12,936
baseline
▲ 0.50% · 4.625%
HK$13,723
+HK$787/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$25,872/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,542
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,905
−HK$368/mo
Today · 4.125%
HK$14,273
baseline
▲ 0.50% · 4.625%
HK$15,026
+HK$753/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$28,546/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,650
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,137
−HK$495/mo
Today · 4.125%
HK$16,632
baseline
▲ 0.50% · 4.625%
HK$17,644
+HK$1,012/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$33,264/mo (50% DSR)
Upfront cash ≈ HK$381K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,411
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,878
−HK$473/mo
Today · 4.125%
HK$18,351
baseline
▲ 0.50% · 4.625%
HK$19,319
+HK$968/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$36,702/mo (50% DSR)
Upfront cash ≈ HK$381K (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).