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$8,657
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,926
−HK$274/mo
Today · 4.125%
HK$9,200
baseline
▲ 0.50% · 4.625%
HK$9,759
+HK$559/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,400/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$9,631
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,889
−HK$262/mo
Today · 4.125%
HK$10,151
baseline
▲ 0.50% · 4.625%
HK$10,686
+HK$535/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,302/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$10,388
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,711
−HK$328/mo
Today · 4.125%
HK$11,039
baseline
▲ 0.50% · 4.625%
HK$11,711
+HK$672/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$11,557
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,867
−HK$314/mo
Today · 4.125%
HK$12,181
baseline
▲ 0.50% · 4.625%
HK$12,823
+HK$642/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,362/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$12,119
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,496
−HK$383/mo
Today · 4.125%
HK$12,879
baseline
▲ 0.50% · 4.625%
HK$13,663
+HK$784/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,758/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$13,483
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,844
−HK$367/mo
Today · 4.125%
HK$14,211
baseline
▲ 0.50% · 4.625%
HK$14,960
+HK$749/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,422/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$15,582
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,067
−HK$492/mo
Today · 4.125%
HK$16,559
baseline
▲ 0.50% · 4.625%
HK$17,567
+HK$1,008/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$33,118/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$17,335
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,800
−HK$471/mo
Today · 4.125%
HK$18,271
baseline
▲ 0.50% · 4.625%
HK$19,235
+HK$964/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$36,542/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).