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$8,662
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,932
−HK$273/mo
Today · 4.125%
HK$9,205
baseline
▲ 0.50% · 4.625%
HK$9,765
+HK$560/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,410/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$9,637
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,895
−HK$262/mo
Today · 4.125%
HK$10,157
baseline
▲ 0.50% · 4.625%
HK$10,693
+HK$536/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,314/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$10,395
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,718
−HK$328/mo
Today · 4.125%
HK$11,046
baseline
▲ 0.50% · 4.625%
HK$11,719
+HK$673/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,092/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$11,564
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,874
−HK$315/mo
Today · 4.125%
HK$12,189
baseline
▲ 0.50% · 4.625%
HK$12,831
+HK$642/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,378/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$12,127
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,504
−HK$383/mo
Today · 4.125%
HK$12,887
baseline
▲ 0.50% · 4.625%
HK$13,672
+HK$785/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,774/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$13,491
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,853
−HK$367/mo
Today · 4.125%
HK$14,220
baseline
▲ 0.50% · 4.625%
HK$14,970
+HK$750/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,440/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$15,592
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,077
−HK$493/mo
Today · 4.125%
HK$16,570
baseline
▲ 0.50% · 4.625%
HK$17,578
+HK$1,008/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$33,140/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$17,346
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,811
−HK$472/mo
Today · 4.125%
HK$18,283
baseline
▲ 0.50% · 4.625%
HK$19,247
+HK$964/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$36,566/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).