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$8,725
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,996
−HK$276/mo
Today · 4.125%
HK$9,272
baseline
▲ 0.50% · 4.625%
HK$9,836
+HK$564/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,544/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$9,706
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,966
−HK$264/mo
Today · 4.125%
HK$10,230
baseline
▲ 0.50% · 4.625%
HK$10,770
+HK$540/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,460/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$10,469
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,795
−HK$331/mo
Today · 4.125%
HK$11,126
baseline
▲ 0.50% · 4.625%
HK$11,803
+HK$677/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,252/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$11,647
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,960
−HK$316/mo
Today · 4.125%
HK$12,276
baseline
▲ 0.50% · 4.625%
HK$12,924
+HK$648/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,552/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$12,214
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,594
−HK$386/mo
Today · 4.125%
HK$12,980
baseline
▲ 0.50% · 4.625%
HK$13,770
+HK$790/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,960/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$13,588
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,953
−HK$370/mo
Today · 4.125%
HK$14,323
baseline
▲ 0.50% · 4.625%
HK$15,077
+HK$754/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,646/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$15,704
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,193
−HK$496/mo
Today · 4.125%
HK$16,689
baseline
▲ 0.50% · 4.625%
HK$17,704
+HK$1,015/mo
Deposit HK$383K · loan HK$3.44M · min. income ≈ HK$33,378/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$17,471
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,939
−HK$476/mo
Today · 4.125%
HK$18,415
baseline
▲ 0.50% · 4.625%
HK$19,385
+HK$970/mo
Deposit HK$383K · loan HK$3.44M · min. income ≈ HK$36,830/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).