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$8,681
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,951
−HK$275/mo
Today · 4.125%
HK$9,226
baseline
▲ 0.50% · 4.625%
HK$9,787
+HK$561/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,452/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$9,658
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,917
−HK$263/mo
Today · 4.125%
HK$10,180
baseline
▲ 0.50% · 4.625%
HK$10,716
+HK$536/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,360/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$10,418
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,742
−HK$329/mo
Today · 4.125%
HK$11,071
baseline
▲ 0.50% · 4.625%
HK$11,745
+HK$674/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,142/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$11,590
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,900
−HK$316/mo
Today · 4.125%
HK$12,216
baseline
▲ 0.50% · 4.625%
HK$12,860
+HK$644/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,432/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$12,154
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,532
−HK$384/mo
Today · 4.125%
HK$12,916
baseline
▲ 0.50% · 4.625%
HK$13,702
+HK$786/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$25,832/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$13,521
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,884
−HK$368/mo
Today · 4.125%
HK$14,252
baseline
▲ 0.50% · 4.625%
HK$15,003
+HK$751/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$28,504/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$15,626
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,113
−HK$493/mo
Today · 4.125%
HK$16,606
baseline
▲ 0.50% · 4.625%
HK$17,617
+HK$1,011/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$33,212/mo (50% DSR)
Upfront cash ≈ HK$381K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,384
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,851
−HK$473/mo
Today · 4.125%
HK$18,324
baseline
▲ 0.50% · 4.625%
HK$19,289
+HK$965/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$36,648/mo (50% DSR)
Upfront cash ≈ HK$381K (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).