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$8,717
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,988
−HK$276/mo
Today · 4.125%
HK$9,264
baseline
▲ 0.50% · 4.625%
HK$9,827
+HK$563/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,528/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$9,697
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,958
−HK$263/mo
Today · 4.125%
HK$10,221
baseline
▲ 0.50% · 4.625%
HK$10,760
+HK$539/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,442/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$10,460
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,786
−HK$330/mo
Today · 4.125%
HK$11,116
baseline
▲ 0.50% · 4.625%
HK$11,793
+HK$677/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,232/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$11,637
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,949
−HK$317/mo
Today · 4.125%
HK$12,266
baseline
▲ 0.50% · 4.625%
HK$12,912
+HK$646/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,532/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$12,204
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,583
−HK$386/mo
Today · 4.125%
HK$12,969
baseline
▲ 0.50% · 4.625%
HK$13,758
+HK$789/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,938/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$13,576
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,941
−HK$369/mo
Today · 4.125%
HK$14,310
baseline
▲ 0.50% · 4.625%
HK$15,064
+HK$754/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,620/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$15,690
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,179
−HK$495/mo
Today · 4.125%
HK$16,674
baseline
▲ 0.50% · 4.625%
HK$17,689
+HK$1,015/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,348/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$17,455
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,924
−HK$475/mo
Today · 4.125%
HK$18,399
baseline
▲ 0.50% · 4.625%
HK$19,368
+HK$969/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,798/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).