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$8,709
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,980
−HK$275/mo
Today · 4.125%
HK$9,255
baseline
▲ 0.50% · 4.625%
HK$9,818
+HK$563/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,510/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$9,689
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,948
−HK$264/mo
Today · 4.125%
HK$10,212
baseline
▲ 0.50% · 4.625%
HK$10,750
+HK$538/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,424/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$10,451
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,776
−HK$330/mo
Today · 4.125%
HK$11,106
baseline
▲ 0.50% · 4.625%
HK$11,782
+HK$676/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,212/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$11,626
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,938
−HK$316/mo
Today · 4.125%
HK$12,254
baseline
▲ 0.50% · 4.625%
HK$12,900
+HK$646/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,508/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$12,192
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,572
−HK$385/mo
Today · 4.125%
HK$12,957
baseline
▲ 0.50% · 4.625%
HK$13,745
+HK$788/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$25,914/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$13,564
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,928
−HK$369/mo
Today · 4.125%
HK$14,297
baseline
▲ 0.50% · 4.625%
HK$15,050
+HK$753/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$28,594/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$15,676
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,164
−HK$495/mo
Today · 4.125%
HK$16,659
baseline
▲ 0.50% · 4.625%
HK$17,673
+HK$1,014/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,318/mo (50% DSR)
Upfront cash ≈ HK$382K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,439
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,907
−HK$475/mo
Today · 4.125%
HK$18,382
baseline
▲ 0.50% · 4.625%
HK$19,351
+HK$969/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,764/mo (50% DSR)
Upfront cash ≈ HK$382K (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).