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$8,735
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,007
−HK$276/mo
Today · 4.125%
HK$9,283
baseline
▲ 0.50% · 4.625%
HK$9,848
+HK$565/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,566/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$9,718
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,978
−HK$265/mo
Today · 4.125%
HK$10,243
baseline
▲ 0.50% · 4.625%
HK$10,783
+HK$540/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,486/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$10,482
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,808
−HK$332/mo
Today · 4.125%
HK$11,140
baseline
▲ 0.50% · 4.625%
HK$11,817
+HK$677/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,280/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$11,661
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,974
−HK$317/mo
Today · 4.125%
HK$12,291
baseline
▲ 0.50% · 4.625%
HK$12,939
+HK$648/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,582/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$12,229
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,610
−HK$386/mo
Today · 4.125%
HK$12,996
baseline
▲ 0.50% · 4.625%
HK$13,787
+HK$791/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,992/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$13,605
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,970
−HK$370/mo
Today · 4.125%
HK$14,340
baseline
▲ 0.50% · 4.625%
HK$15,096
+HK$756/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,680/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$15,723
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,212
−HK$497/mo
Today · 4.125%
HK$16,709
baseline
▲ 0.50% · 4.625%
HK$17,726
+HK$1,017/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$33,418/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$17,492
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,961
−HK$476/mo
Today · 4.125%
HK$18,437
baseline
▲ 0.50% · 4.625%
HK$19,409
+HK$972/mo
Deposit HK$383K · loan HK$3.45M · min. income ≈ HK$36,874/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).