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$8,680
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,950
−HK$275/mo
Today · 4.125%
HK$9,225
baseline
▲ 0.50% · 4.625%
HK$9,786
+HK$561/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,450/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$9,657
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,916
−HK$263/mo
Today · 4.125%
HK$10,179
baseline
▲ 0.50% · 4.625%
HK$10,715
+HK$536/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,358/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$10,416
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,740
−HK$330/mo
Today · 4.125%
HK$11,070
baseline
▲ 0.50% · 4.625%
HK$11,743
+HK$673/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,140/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$11,588
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,899
−HK$315/mo
Today · 4.125%
HK$12,214
baseline
▲ 0.50% · 4.625%
HK$12,858
+HK$644/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,428/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$12,153
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,531
−HK$384/mo
Today · 4.125%
HK$12,915
baseline
▲ 0.50% · 4.625%
HK$13,700
+HK$785/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,830/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$13,520
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,882
−HK$368/mo
Today · 4.125%
HK$14,250
baseline
▲ 0.50% · 4.625%
HK$15,001
+HK$751/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,500/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$15,625
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,111
−HK$494/mo
Today · 4.125%
HK$16,605
baseline
▲ 0.50% · 4.625%
HK$17,615
+HK$1,010/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$33,210/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$17,382
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,849
−HK$472/mo
Today · 4.125%
HK$18,321
baseline
▲ 0.50% · 4.625%
HK$19,287
+HK$966/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$36,642/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).