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$8,646
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,915
−HK$274/mo
Today · 4.125%
HK$9,189
baseline
▲ 0.50% · 4.625%
HK$9,748
+HK$559/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,378/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$9,619
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,877
−HK$262/mo
Today · 4.125%
HK$10,139
baseline
▲ 0.50% · 4.625%
HK$10,673
+HK$534/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,278/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$10,376
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,699
−HK$327/mo
Today · 4.125%
HK$11,026
baseline
▲ 0.50% · 4.625%
HK$11,697
+HK$671/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,052/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$11,543
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,853
−HK$314/mo
Today · 4.125%
HK$12,167
baseline
▲ 0.50% · 4.625%
HK$12,808
+HK$641/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,334/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$12,105
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,482
−HK$382/mo
Today · 4.125%
HK$12,864
baseline
▲ 0.50% · 4.625%
HK$13,647
+HK$783/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$25,728/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$13,467
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,828
−HK$366/mo
Today · 4.125%
HK$14,194
baseline
▲ 0.50% · 4.625%
HK$14,943
+HK$749/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$28,388/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$15,564
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,048
−HK$492/mo
Today · 4.125%
HK$16,540
baseline
▲ 0.50% · 4.625%
HK$17,546
+HK$1,006/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$33,080/mo (50% DSR)
Upfront cash ≈ HK$379K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,314
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,779
−HK$471/mo
Today · 4.125%
HK$18,250
baseline
▲ 0.50% · 4.625%
HK$19,212
+HK$962/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$36,500/mo (50% DSR)
Upfront cash ≈ HK$379K (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).