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$8,656
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,925
−HK$274/mo
Today · 4.125%
HK$9,199
baseline
▲ 0.50% · 4.625%
HK$9,759
+HK$560/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,398/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$9,630
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,888
−HK$262/mo
Today · 4.125%
HK$10,150
baseline
▲ 0.50% · 4.625%
HK$10,685
+HK$535/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,300/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$10,387
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,710
−HK$329/mo
Today · 4.125%
HK$11,039
baseline
▲ 0.50% · 4.625%
HK$11,710
+HK$671/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,078/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$11,556
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,866
−HK$314/mo
Today · 4.125%
HK$12,180
baseline
▲ 0.50% · 4.625%
HK$12,822
+HK$642/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,360/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$12,118
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,495
−HK$383/mo
Today · 4.125%
HK$12,878
baseline
▲ 0.50% · 4.625%
HK$13,662
+HK$784/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,756/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$13,482
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,843
−HK$367/mo
Today · 4.125%
HK$14,210
baseline
▲ 0.50% · 4.625%
HK$14,959
+HK$749/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,420/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$15,581
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,066
−HK$492/mo
Today · 4.125%
HK$16,558
baseline
▲ 0.50% · 4.625%
HK$17,565
+HK$1,007/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$33,116/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$17,334
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,798
−HK$472/mo
Today · 4.125%
HK$18,270
baseline
▲ 0.50% · 4.625%
HK$19,233
+HK$963/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$36,540/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).