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$8,654
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,923
−HK$273/mo
Today · 4.125%
HK$9,196
baseline
▲ 0.50% · 4.625%
HK$9,756
+HK$560/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$9,627
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,885
−HK$262/mo
Today · 4.125%
HK$10,147
baseline
▲ 0.50% · 4.625%
HK$10,682
+HK$535/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,294/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$652/mo
▼ 0.25% · 3.875%
HK$10,707
−HK$329/mo
Today · 4.125%
HK$11,036
baseline
▲ 0.50% · 4.625%
HK$11,707
+HK$671/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,072/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$11,553
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,862
−HK$315/mo
Today · 4.125%
HK$12,177
baseline
▲ 0.50% · 4.625%
HK$12,819
+HK$642/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,354/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$12,115
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,492
−HK$383/mo
Today · 4.125%
HK$12,875
baseline
▲ 0.50% · 4.625%
HK$13,658
+HK$783/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,750/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$13,478
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,840
−HK$366/mo
Today · 4.125%
HK$14,206
baseline
▲ 0.50% · 4.625%
HK$14,955
+HK$749/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,412/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$15,577
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,061
−HK$493/mo
Today · 4.125%
HK$16,554
baseline
▲ 0.50% · 4.625%
HK$17,561
+HK$1,007/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$33,108/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$17,329
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,794
−HK$471/mo
Today · 4.125%
HK$18,265
baseline
▲ 0.50% · 4.625%
HK$19,228
+HK$963/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$36,530/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).