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$543/mo
▼ 0.25% · 3.875%
HK$8,941
−HK$274/mo
Today · 4.125%
HK$9,215
baseline
▲ 0.50% · 4.625%
HK$9,776
+HK$561/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,430/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$9,647
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,906
−HK$262/mo
Today · 4.125%
HK$10,168
baseline
▲ 0.50% · 4.625%
HK$10,704
+HK$536/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,336/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$10,406
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,730
−HK$328/mo
Today · 4.125%
HK$11,058
baseline
▲ 0.50% · 4.625%
HK$11,731
+HK$673/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,116/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$11,576
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,887
−HK$315/mo
Today · 4.125%
HK$12,202
baseline
▲ 0.50% · 4.625%
HK$12,845
+HK$643/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,404/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$12,140
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,518
−HK$383/mo
Today · 4.125%
HK$12,901
baseline
▲ 0.50% · 4.625%
HK$13,687
+HK$786/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,802/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$13,506
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,868
−HK$368/mo
Today · 4.125%
HK$14,236
baseline
▲ 0.50% · 4.625%
HK$14,986
+HK$750/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,472/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$15,609
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,094
−HK$494/mo
Today · 4.125%
HK$16,588
baseline
▲ 0.50% · 4.625%
HK$17,597
+HK$1,009/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$33,176/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$17,365
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,830
−HK$473/mo
Today · 4.125%
HK$18,303
baseline
▲ 0.50% · 4.625%
HK$19,268
+HK$965/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$36,606/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).