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$8,653
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,922
−HK$274/mo
Today · 4.125%
HK$9,196
baseline
▲ 0.50% · 4.625%
HK$9,755
+HK$559/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,392/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,626
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,885
−HK$261/mo
Today · 4.125%
HK$10,146
baseline
▲ 0.50% · 4.625%
HK$10,681
+HK$535/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,292/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,384
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,707
−HK$328/mo
Today · 4.125%
HK$11,035
baseline
▲ 0.50% · 4.625%
HK$11,706
+HK$671/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,070/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,552
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,861
−HK$315/mo
Today · 4.125%
HK$12,176
baseline
▲ 0.50% · 4.625%
HK$12,818
+HK$642/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,352/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,114
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,491
−HK$383/mo
Today · 4.125%
HK$12,874
baseline
▲ 0.50% · 4.625%
HK$13,657
+HK$783/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,748/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,477
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,838
−HK$367/mo
Today · 4.125%
HK$14,205
baseline
▲ 0.50% · 4.625%
HK$14,954
+HK$749/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,410/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,575
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,060
−HK$492/mo
Today · 4.125%
HK$16,552
baseline
▲ 0.50% · 4.625%
HK$17,559
+HK$1,007/mo
Deposit HK$379K · loan HK$3.42M · min. income ≈ HK$33,104/mo (50% DSR)
Upfront cash ≈ HK$380K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,327
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,792
−HK$472/mo
Today · 4.125%
HK$18,264
baseline
▲ 0.50% · 4.625%
HK$19,226
+HK$962/mo
Deposit HK$379K · loan HK$3.42M · min. income ≈ HK$36,528/mo (50% DSR)
Upfront cash ≈ HK$380K (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).