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$8,685
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,955
−HK$275/mo
Today · 4.125%
HK$9,230
baseline
▲ 0.50% · 4.625%
HK$9,791
+HK$561/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,460/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$9,662
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,921
−HK$263/mo
Today · 4.125%
HK$10,184
baseline
▲ 0.50% · 4.625%
HK$10,721
+HK$537/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,368/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$10,422
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,746
−HK$330/mo
Today · 4.125%
HK$11,076
baseline
▲ 0.50% · 4.625%
HK$11,750
+HK$674/mo
Deposit HK$1.52M · loan HK$2.29M · min. income ≈ HK$22,152/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$11,595
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,905
−HK$316/mo
Today · 4.125%
HK$12,221
baseline
▲ 0.50% · 4.625%
HK$12,865
+HK$644/mo
Deposit HK$1.52M · loan HK$2.29M · min. income ≈ HK$24,442/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$12,159
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,537
−HK$385/mo
Today · 4.125%
HK$12,922
baseline
▲ 0.50% · 4.625%
HK$13,708
+HK$786/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$25,844/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$13,527
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,890
−HK$368/mo
Today · 4.125%
HK$14,258
baseline
▲ 0.50% · 4.625%
HK$15,009
+HK$751/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$28,516/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$15,633
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,119
−HK$495/mo
Today · 4.125%
HK$16,614
baseline
▲ 0.50% · 4.625%
HK$17,624
+HK$1,010/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$33,228/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$17,392
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,858
−HK$473/mo
Today · 4.125%
HK$18,331
baseline
▲ 0.50% · 4.625%
HK$19,298
+HK$967/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$36,662/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).