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$544/mo
▼ 0.25% · 3.875%
HK$8,936
−HK$274/mo
Today · 4.125%
HK$9,210
baseline
▲ 0.50% · 4.625%
HK$9,770
+HK$560/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,420/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$521/mo
▼ 0.25% · 3.875%
HK$9,900
−HK$262/mo
Today · 4.125%
HK$10,162
baseline
▲ 0.50% · 4.625%
HK$10,698
+HK$536/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,324/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$653/mo
▼ 0.25% · 3.875%
HK$10,723
−HK$329/mo
Today · 4.125%
HK$11,052
baseline
▲ 0.50% · 4.625%
HK$11,724
+HK$672/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,104/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$11,880
−HK$314/mo
Today · 4.125%
HK$12,194
baseline
▲ 0.50% · 4.625%
HK$12,837
+HK$643/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$12,133
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,510
−HK$383/mo
Today · 4.125%
HK$12,893
baseline
▲ 0.50% · 4.625%
HK$13,678
+HK$785/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$730/mo
▼ 0.25% · 3.875%
HK$13,859
−HK$368/mo
Today · 4.125%
HK$14,227
baseline
▲ 0.50% · 4.625%
HK$14,977
+HK$750/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,454/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$15,599
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,084
−HK$493/mo
Today · 4.125%
HK$16,577
baseline
▲ 0.50% · 4.625%
HK$17,586
+HK$1,009/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$17,354
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,819
−HK$472/mo
Today · 4.125%
HK$18,291
baseline
▲ 0.50% · 4.625%
HK$19,256
+HK$965/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).