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$8,741
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,013
−HK$276/mo
Today · 4.125%
HK$9,289
baseline
▲ 0.50% · 4.625%
HK$9,854
+HK$565/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,578/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$9,724
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,985
−HK$265/mo
Today · 4.125%
HK$10,250
baseline
▲ 0.50% · 4.625%
HK$10,790
+HK$540/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,500/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$10,489
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,815
−HK$332/mo
Today · 4.125%
HK$11,147
baseline
▲ 0.50% · 4.625%
HK$11,825
+HK$678/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,294/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$11,669
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,982
−HK$317/mo
Today · 4.125%
HK$12,299
baseline
▲ 0.50% · 4.625%
HK$12,948
+HK$649/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,598/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$12,237
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,618
−HK$387/mo
Today · 4.125%
HK$13,005
baseline
▲ 0.50% · 4.625%
HK$13,796
+HK$791/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$26,010/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$13,614
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,979
−HK$370/mo
Today · 4.125%
HK$14,349
baseline
▲ 0.50% · 4.625%
HK$15,106
+HK$757/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,698/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$15,734
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,223
−HK$497/mo
Today · 4.125%
HK$16,720
baseline
▲ 0.50% · 4.625%
HK$17,738
+HK$1,018/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$33,440/mo (50% DSR)
Upfront cash ≈ HK$383K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,504
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,973
−HK$476/mo
Today · 4.125%
HK$18,449
baseline
▲ 0.50% · 4.625%
HK$19,422
+HK$973/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$36,898/mo (50% DSR)
Upfront cash ≈ HK$383K (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).