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$8,648
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,917
−HK$273/mo
Today · 4.125%
HK$9,190
baseline
▲ 0.50% · 4.625%
HK$9,750
+HK$560/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,380/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$9,621
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,879
−HK$262/mo
Today · 4.125%
HK$10,141
baseline
▲ 0.50% · 4.625%
HK$10,675
+HK$534/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,282/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$10,378
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,700
−HK$328/mo
Today · 4.125%
HK$11,028
baseline
▲ 0.50% · 4.625%
HK$11,700
+HK$672/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,056/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$11,545
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,855
−HK$314/mo
Today · 4.125%
HK$12,169
baseline
▲ 0.50% · 4.625%
HK$12,810
+HK$641/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,338/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$12,107
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,484
−HK$383/mo
Today · 4.125%
HK$12,867
baseline
▲ 0.50% · 4.625%
HK$13,649
+HK$782/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$25,734/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$13,469
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,830
−HK$367/mo
Today · 4.125%
HK$14,197
baseline
▲ 0.50% · 4.625%
HK$14,945
+HK$748/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$28,394/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$15,567
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,051
−HK$492/mo
Today · 4.125%
HK$16,543
baseline
▲ 0.50% · 4.625%
HK$17,549
+HK$1,006/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$33,086/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$17,318
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,782
−HK$471/mo
Today · 4.125%
HK$18,253
baseline
▲ 0.50% · 4.625%
HK$19,215
+HK$962/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$36,506/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).