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$8,676
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,946
−HK$274/mo
Today · 4.125%
HK$9,220
baseline
▲ 0.50% · 4.625%
HK$9,781
+HK$561/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,440/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$9,652
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,910
−HK$263/mo
Today · 4.125%
HK$10,173
baseline
▲ 0.50% · 4.625%
HK$10,709
+HK$536/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,346/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$10,411
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,735
−HK$329/mo
Today · 4.125%
HK$11,064
baseline
▲ 0.50% · 4.625%
HK$11,737
+HK$673/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,128/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$11,582
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,893
−HK$315/mo
Today · 4.125%
HK$12,208
baseline
▲ 0.50% · 4.625%
HK$12,851
+HK$643/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,416/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$12,146
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,524
−HK$384/mo
Today · 4.125%
HK$12,908
baseline
▲ 0.50% · 4.625%
HK$13,693
+HK$785/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,816/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$13,512
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,875
−HK$367/mo
Today · 4.125%
HK$14,242
baseline
▲ 0.50% · 4.625%
HK$14,993
+HK$751/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,484/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$15,616
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,102
−HK$493/mo
Today · 4.125%
HK$16,595
baseline
▲ 0.50% · 4.625%
HK$17,605
+HK$1,010/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$33,190/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$17,373
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,839
−HK$472/mo
Today · 4.125%
HK$18,311
baseline
▲ 0.50% · 4.625%
HK$19,277
+HK$966/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$36,622/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).