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$8,730
−HK$547/mo
▼ 0.25% · 3.875%
HK$9,001
−HK$276/mo
Today · 4.125%
HK$9,277
baseline
▲ 0.50% · 4.625%
HK$9,842
+HK$565/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,554/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$9,712
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,972
−HK$264/mo
Today · 4.125%
HK$10,236
baseline
▲ 0.50% · 4.625%
HK$10,776
+HK$540/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,472/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$10,476
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,801
−HK$332/mo
Today · 4.125%
HK$11,133
baseline
▲ 0.50% · 4.625%
HK$11,810
+HK$677/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,266/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$11,654
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,967
−HK$317/mo
Today · 4.125%
HK$12,284
baseline
▲ 0.50% · 4.625%
HK$12,931
+HK$647/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,568/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$12,222
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,602
−HK$386/mo
Today · 4.125%
HK$12,988
baseline
▲ 0.50% · 4.625%
HK$13,778
+HK$790/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,976/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$13,596
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,961
−HK$370/mo
Today · 4.125%
HK$14,331
baseline
▲ 0.50% · 4.625%
HK$15,086
+HK$755/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,662/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$15,713
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,202
−HK$497/mo
Today · 4.125%
HK$16,699
baseline
▲ 0.50% · 4.625%
HK$17,715
+HK$1,016/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$33,398/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$17,481
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,950
−HK$475/mo
Today · 4.125%
HK$18,425
baseline
▲ 0.50% · 4.625%
HK$19,397
+HK$972/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$36,850/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).