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$8,669
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,939
−HK$274/mo
Today · 4.125%
HK$9,213
baseline
▲ 0.50% · 4.625%
HK$9,773
+HK$560/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,426/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$9,644
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,903
−HK$262/mo
Today · 4.125%
HK$10,165
baseline
▲ 0.50% · 4.625%
HK$10,701
+HK$536/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,330/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$10,403
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,726
−HK$329/mo
Today · 4.125%
HK$11,055
baseline
▲ 0.50% · 4.625%
HK$11,728
+HK$673/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,110/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$11,573
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,883
−HK$315/mo
Today · 4.125%
HK$12,198
baseline
▲ 0.50% · 4.625%
HK$12,841
+HK$643/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,396/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$12,136
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,514
−HK$384/mo
Today · 4.125%
HK$12,898
baseline
▲ 0.50% · 4.625%
HK$13,682
+HK$784/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,796/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$13,502
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,864
−HK$367/mo
Today · 4.125%
HK$14,231
baseline
▲ 0.50% · 4.625%
HK$14,981
+HK$750/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,462/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$15,604
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,089
−HK$494/mo
Today · 4.125%
HK$16,583
baseline
▲ 0.50% · 4.625%
HK$17,592
+HK$1,009/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$33,166/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$17,359
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,825
−HK$472/mo
Today · 4.125%
HK$18,297
baseline
▲ 0.50% · 4.625%
HK$19,262
+HK$965/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$36,594/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).