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$8,666
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,935
−HK$274/mo
Today · 4.125%
HK$9,209
baseline
▲ 0.50% · 4.625%
HK$9,770
+HK$561/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,418/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$9,641
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,899
−HK$262/mo
Today · 4.125%
HK$10,161
baseline
▲ 0.50% · 4.625%
HK$10,697
+HK$536/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,322/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$10,399
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,722
−HK$329/mo
Today · 4.125%
HK$11,051
baseline
▲ 0.50% · 4.625%
HK$11,723
+HK$672/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,102/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$11,569
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,879
−HK$315/mo
Today · 4.125%
HK$12,194
baseline
▲ 0.50% · 4.625%
HK$12,836
+HK$642/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,388/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$12,132
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,509
−HK$384/mo
Today · 4.125%
HK$12,893
baseline
▲ 0.50% · 4.625%
HK$13,677
+HK$784/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,786/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$13,497
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,859
−HK$367/mo
Today · 4.125%
HK$14,226
baseline
▲ 0.50% · 4.625%
HK$14,976
+HK$750/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,452/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$15,598
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,084
−HK$493/mo
Today · 4.125%
HK$16,577
baseline
▲ 0.50% · 4.625%
HK$17,585
+HK$1,008/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$33,154/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$17,353
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,818
−HK$473/mo
Today · 4.125%
HK$18,291
baseline
▲ 0.50% · 4.625%
HK$19,255
+HK$964/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$36,582/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).