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$8,765
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,037
−HK$277/mo
Today · 4.125%
HK$9,314
baseline
▲ 0.50% · 4.625%
HK$9,881
+HK$567/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,628/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$9,751
−HK$526/mo
▼ 0.25% · 3.875%
HK$10,012
−HK$265/mo
Today · 4.125%
HK$10,277
baseline
▲ 0.50% · 4.625%
HK$10,819
+HK$542/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,554/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$10,518
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,845
−HK$332/mo
Today · 4.125%
HK$11,177
baseline
▲ 0.50% · 4.625%
HK$11,857
+HK$680/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,354/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$11,701
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,014
−HK$319/mo
Today · 4.125%
HK$12,333
baseline
▲ 0.50% · 4.625%
HK$12,983
+HK$650/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,666/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$12,270
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,652
−HK$388/mo
Today · 4.125%
HK$13,040
baseline
▲ 0.50% · 4.625%
HK$13,833
+HK$793/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,080/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$13,651
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,017
−HK$371/mo
Today · 4.125%
HK$14,388
baseline
▲ 0.50% · 4.625%
HK$15,147
+HK$759/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,776/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$15,776
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,267
−HK$499/mo
Today · 4.125%
HK$16,766
baseline
▲ 0.50% · 4.625%
HK$17,786
+HK$1,020/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$33,532/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$17,551
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,022
−HK$477/mo
Today · 4.125%
HK$18,499
baseline
▲ 0.50% · 4.625%
HK$19,474
+HK$975/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$36,998/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).