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$8,673
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,943
−HK$274/mo
Today · 4.125%
HK$9,217
baseline
▲ 0.50% · 4.625%
HK$9,778
+HK$561/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,434/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$9,649
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,908
−HK$262/mo
Today · 4.125%
HK$10,170
baseline
▲ 0.50% · 4.625%
HK$10,706
+HK$536/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,340/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$10,408
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,732
−HK$329/mo
Today · 4.125%
HK$11,061
baseline
▲ 0.50% · 4.625%
HK$11,734
+HK$673/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,122/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$11,579
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,889
−HK$315/mo
Today · 4.125%
HK$12,204
baseline
▲ 0.50% · 4.625%
HK$12,848
+HK$644/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,408/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$12,143
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,520
−HK$384/mo
Today · 4.125%
HK$12,904
baseline
▲ 0.50% · 4.625%
HK$13,689
+HK$785/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,808/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$13,508
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,871
−HK$367/mo
Today · 4.125%
HK$14,238
baseline
▲ 0.50% · 4.625%
HK$14,989
+HK$751/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,476/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$15,612
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,097
−HK$494/mo
Today · 4.125%
HK$16,591
baseline
▲ 0.50% · 4.625%
HK$17,600
+HK$1,009/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$33,182/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$17,368
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,834
−HK$472/mo
Today · 4.125%
HK$18,306
baseline
▲ 0.50% · 4.625%
HK$19,271
+HK$965/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$36,612/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).