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$8,763
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,036
−HK$277/mo
Today · 4.125%
HK$9,313
baseline
▲ 0.50% · 4.625%
HK$9,879
+HK$566/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,626/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$9,749
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,011
−HK$265/mo
Today · 4.125%
HK$10,276
baseline
▲ 0.50% · 4.625%
HK$10,817
+HK$541/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,552/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$10,516
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,843
−HK$332/mo
Today · 4.125%
HK$11,175
baseline
▲ 0.50% · 4.625%
HK$11,855
+HK$680/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,350/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,699
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,013
−HK$318/mo
Today · 4.125%
HK$12,331
baseline
▲ 0.50% · 4.625%
HK$12,981
+HK$650/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,662/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,269
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,650
−HK$388/mo
Today · 4.125%
HK$13,038
baseline
▲ 0.50% · 4.625%
HK$13,831
+HK$793/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,076/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$13,649
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,015
−HK$371/mo
Today · 4.125%
HK$14,386
baseline
▲ 0.50% · 4.625%
HK$15,144
+HK$758/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,772/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$15,774
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,265
−HK$498/mo
Today · 4.125%
HK$16,763
baseline
▲ 0.50% · 4.625%
HK$17,783
+HK$1,020/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$33,526/mo (50% DSR)
Upfront cash ≈ HK$384K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,548
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,019
−HK$477/mo
Today · 4.125%
HK$18,496
baseline
▲ 0.50% · 4.625%
HK$19,471
+HK$975/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$36,992/mo (50% DSR)
Upfront cash ≈ HK$384K (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).