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$8,708
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,978
−HK$276/mo
Today · 4.125%
HK$9,254
baseline
▲ 0.50% · 4.625%
HK$9,817
+HK$563/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,508/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$9,687
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,947
−HK$263/mo
Today · 4.125%
HK$10,210
baseline
▲ 0.50% · 4.625%
HK$10,749
+HK$539/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,420/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$10,449
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,774
−HK$330/mo
Today · 4.125%
HK$11,104
baseline
▲ 0.50% · 4.625%
HK$11,780
+HK$676/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,208/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$11,625
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,936
−HK$317/mo
Today · 4.125%
HK$12,253
baseline
▲ 0.50% · 4.625%
HK$12,898
+HK$645/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,506/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$12,191
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,570
−HK$385/mo
Today · 4.125%
HK$12,955
baseline
▲ 0.50% · 4.625%
HK$13,743
+HK$788/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$25,910/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$13,562
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,926
−HK$369/mo
Today · 4.125%
HK$14,295
baseline
▲ 0.50% · 4.625%
HK$15,048
+HK$753/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$28,590/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$15,674
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,161
−HK$496/mo
Today · 4.125%
HK$16,657
baseline
▲ 0.50% · 4.625%
HK$17,670
+HK$1,013/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,314/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$17,437
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,904
−HK$475/mo
Today · 4.125%
HK$18,379
baseline
▲ 0.50% · 4.625%
HK$19,348
+HK$969/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,758/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).