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$8,672
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,942
−HK$274/mo
Today · 4.125%
HK$9,216
baseline
▲ 0.50% · 4.625%
HK$9,777
+HK$561/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,432/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$9,648
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,907
−HK$262/mo
Today · 4.125%
HK$10,169
baseline
▲ 0.50% · 4.625%
HK$10,705
+HK$536/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,338/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$10,407
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,730
−HK$329/mo
Today · 4.125%
HK$11,059
baseline
▲ 0.50% · 4.625%
HK$11,732
+HK$673/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,118/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$11,577
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,888
−HK$315/mo
Today · 4.125%
HK$12,203
baseline
▲ 0.50% · 4.625%
HK$12,846
+HK$643/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,406/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$12,141
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,519
−HK$384/mo
Today · 4.125%
HK$12,903
baseline
▲ 0.50% · 4.625%
HK$13,688
+HK$785/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,806/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$13,507
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,869
−HK$368/mo
Today · 4.125%
HK$14,237
baseline
▲ 0.50% · 4.625%
HK$14,987
+HK$750/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,474/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$15,610
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,096
−HK$493/mo
Today · 4.125%
HK$16,589
baseline
▲ 0.50% · 4.625%
HK$17,598
+HK$1,009/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$33,178/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$17,366
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,832
−HK$472/mo
Today · 4.125%
HK$18,304
baseline
▲ 0.50% · 4.625%
HK$19,269
+HK$965/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$36,608/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).