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$8,674
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,943
−HK$275/mo
Today · 4.125%
HK$9,218
baseline
▲ 0.50% · 4.625%
HK$9,778
+HK$560/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,436/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$9,649
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,908
−HK$263/mo
Today · 4.125%
HK$10,171
baseline
▲ 0.50% · 4.625%
HK$10,707
+HK$536/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,342/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$10,408
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,732
−HK$329/mo
Today · 4.125%
HK$11,061
baseline
▲ 0.50% · 4.625%
HK$11,734
+HK$673/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,122/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$11,579
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,890
−HK$315/mo
Today · 4.125%
HK$12,205
baseline
▲ 0.50% · 4.625%
HK$12,848
+HK$643/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,410/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$12,143
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,521
−HK$384/mo
Today · 4.125%
HK$12,905
baseline
▲ 0.50% · 4.625%
HK$13,690
+HK$785/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,810/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$13,509
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,871
−HK$368/mo
Today · 4.125%
HK$14,239
baseline
▲ 0.50% · 4.625%
HK$14,989
+HK$750/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,478/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$15,613
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,098
−HK$494/mo
Today · 4.125%
HK$16,592
baseline
▲ 0.50% · 4.625%
HK$17,601
+HK$1,009/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$33,184/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$17,369
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,835
−HK$472/mo
Today · 4.125%
HK$18,307
baseline
▲ 0.50% · 4.625%
HK$19,272
+HK$965/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$36,614/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).