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$8,750
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,022
−HK$276/mo
Today · 4.125%
HK$9,298
baseline
▲ 0.50% · 4.625%
HK$9,864
+HK$566/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,596/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$9,734
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,995
−HK$265/mo
Today · 4.125%
HK$10,260
baseline
▲ 0.50% · 4.625%
HK$10,801
+HK$541/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,520/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$10,500
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,826
−HK$332/mo
Today · 4.125%
HK$11,158
baseline
▲ 0.50% · 4.625%
HK$11,837
+HK$679/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,316/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$11,681
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,994
−HK$318/mo
Today · 4.125%
HK$12,312
baseline
▲ 0.50% · 4.625%
HK$12,961
+HK$649/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,624/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$12,250
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,631
−HK$387/mo
Today · 4.125%
HK$13,018
baseline
▲ 0.50% · 4.625%
HK$13,810
+HK$792/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,036/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$13,628
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,993
−HK$371/mo
Today · 4.125%
HK$14,364
baseline
▲ 0.50% · 4.625%
HK$15,121
+HK$757/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,728/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$15,750
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,239
−HK$498/mo
Today · 4.125%
HK$16,737
baseline
▲ 0.50% · 4.625%
HK$17,756
+HK$1,019/mo
Deposit HK$384K · loan HK$3.45M · min. income ≈ HK$33,474/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$17,521
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,991
−HK$477/mo
Today · 4.125%
HK$18,468
baseline
▲ 0.50% · 4.625%
HK$19,441
+HK$973/mo
Deposit HK$384K · loan HK$3.45M · min. income ≈ HK$36,936/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).