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$8,679
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,949
−HK$274/mo
Today · 4.125%
HK$9,223
baseline
▲ 0.50% · 4.625%
HK$9,784
+HK$561/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,446/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$9,655
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,914
−HK$263/mo
Today · 4.125%
HK$10,177
baseline
▲ 0.50% · 4.625%
HK$10,713
+HK$536/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,354/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$10,414
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,738
−HK$330/mo
Today · 4.125%
HK$11,068
baseline
▲ 0.50% · 4.625%
HK$11,741
+HK$673/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,136/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$11,586
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,897
−HK$315/mo
Today · 4.125%
HK$12,212
baseline
▲ 0.50% · 4.625%
HK$12,856
+HK$644/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,424/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$12,150
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,528
−HK$384/mo
Today · 4.125%
HK$12,912
baseline
▲ 0.50% · 4.625%
HK$13,698
+HK$786/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,824/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$13,517
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,880
−HK$367/mo
Today · 4.125%
HK$14,247
baseline
▲ 0.50% · 4.625%
HK$14,998
+HK$751/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,494/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$15,622
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,108
−HK$493/mo
Today · 4.125%
HK$16,601
baseline
▲ 0.50% · 4.625%
HK$17,611
+HK$1,010/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$33,202/mo (50% DSR)
Upfront cash ≈ HK$381K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,379
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,845
−HK$473/mo
Today · 4.125%
HK$18,318
baseline
▲ 0.50% · 4.625%
HK$19,284
+HK$966/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$36,636/mo (50% DSR)
Upfront cash ≈ HK$381K (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).