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$8,658
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,928
−HK$273/mo
Today · 4.125%
HK$9,201
baseline
▲ 0.50% · 4.625%
HK$9,761
+HK$560/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,402/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$9,632
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,890
−HK$263/mo
Today · 4.125%
HK$10,153
baseline
▲ 0.50% · 4.625%
HK$10,688
+HK$535/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,306/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$10,390
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,713
−HK$328/mo
Today · 4.125%
HK$11,041
baseline
▲ 0.50% · 4.625%
HK$11,713
+HK$672/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,082/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$11,559
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,869
−HK$314/mo
Today · 4.125%
HK$12,183
baseline
▲ 0.50% · 4.625%
HK$12,825
+HK$642/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,366/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$12,121
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,499
−HK$383/mo
Today · 4.125%
HK$12,882
baseline
▲ 0.50% · 4.625%
HK$13,665
+HK$783/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,764/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$13,485
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,847
−HK$367/mo
Today · 4.125%
HK$14,214
baseline
▲ 0.50% · 4.625%
HK$14,963
+HK$749/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,428/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$15,585
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,070
−HK$492/mo
Today · 4.125%
HK$16,562
baseline
▲ 0.50% · 4.625%
HK$17,570
+HK$1,008/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$33,124/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$17,338
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,803
−HK$472/mo
Today · 4.125%
HK$18,275
baseline
▲ 0.50% · 4.625%
HK$19,238
+HK$963/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$36,550/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).