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$8,651
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,920
−HK$273/mo
Today · 4.125%
HK$9,193
baseline
▲ 0.50% · 4.625%
HK$9,752
+HK$559/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,386/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$9,624
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,882
−HK$262/mo
Today · 4.125%
HK$10,144
baseline
▲ 0.50% · 4.625%
HK$10,678
+HK$534/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,288/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$10,381
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,704
−HK$328/mo
Today · 4.125%
HK$11,032
baseline
▲ 0.50% · 4.625%
HK$11,703
+HK$671/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,064/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$11,548
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,858
−HK$314/mo
Today · 4.125%
HK$12,172
baseline
▲ 0.50% · 4.625%
HK$12,814
+HK$642/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,344/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$12,111
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,488
−HK$382/mo
Today · 4.125%
HK$12,870
baseline
▲ 0.50% · 4.625%
HK$13,653
+HK$783/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,740/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$13,473
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,835
−HK$366/mo
Today · 4.125%
HK$14,201
baseline
▲ 0.50% · 4.625%
HK$14,950
+HK$749/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,402/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$15,571
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,055
−HK$493/mo
Today · 4.125%
HK$16,548
baseline
▲ 0.50% · 4.625%
HK$17,554
+HK$1,006/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$33,096/mo (50% DSR)
Upfront cash ≈ HK$379K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,323
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,787
−HK$472/mo
Today · 4.125%
HK$18,259
baseline
▲ 0.50% · 4.625%
HK$19,221
+HK$962/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$36,518/mo (50% DSR)
Upfront cash ≈ HK$379K (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).