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$8,777
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,050
−HK$278/mo
Today · 4.125%
HK$9,328
baseline
▲ 0.50% · 4.625%
HK$9,895
+HK$567/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,656/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$9,764
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,026
−HK$266/mo
Today · 4.125%
HK$10,292
baseline
▲ 0.50% · 4.625%
HK$10,835
+HK$543/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,584/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$10,533
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,860
−HK$333/mo
Today · 4.125%
HK$11,193
baseline
▲ 0.50% · 4.625%
HK$11,874
+HK$681/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,386/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$11,717
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,032
−HK$318/mo
Today · 4.125%
HK$12,350
baseline
▲ 0.50% · 4.625%
HK$13,001
+HK$651/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,700/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$12,288
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,670
−HK$389/mo
Today · 4.125%
HK$13,059
baseline
▲ 0.50% · 4.625%
HK$13,853
+HK$794/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,118/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$13,670
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,037
−HK$372/mo
Today · 4.125%
HK$14,409
baseline
▲ 0.50% · 4.625%
HK$15,168
+HK$759/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,818/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$15,799
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,290
−HK$500/mo
Today · 4.125%
HK$16,790
baseline
▲ 0.50% · 4.625%
HK$17,811
+HK$1,021/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$33,580/mo (50% DSR)
Upfront cash ≈ HK$385K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,576
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,047
−HK$479/mo
Today · 4.125%
HK$18,526
baseline
▲ 0.50% · 4.625%
HK$19,502
+HK$976/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$37,052/mo (50% DSR)
Upfront cash ≈ HK$385K (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).