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$8,665
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,934
−HK$274/mo
Today · 4.125%
HK$9,208
baseline
▲ 0.50% · 4.625%
HK$9,769
+HK$561/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,416/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$9,640
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,898
−HK$262/mo
Today · 4.125%
HK$10,160
baseline
▲ 0.50% · 4.625%
HK$10,696
+HK$536/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,320/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$10,398
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,721
−HK$329/mo
Today · 4.125%
HK$11,050
baseline
▲ 0.50% · 4.625%
HK$11,722
+HK$672/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,100/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$11,568
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,878
−HK$315/mo
Today · 4.125%
HK$12,193
baseline
▲ 0.50% · 4.625%
HK$12,835
+HK$642/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,386/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$12,131
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,508
−HK$384/mo
Today · 4.125%
HK$12,892
baseline
▲ 0.50% · 4.625%
HK$13,676
+HK$784/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,784/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$13,495
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,857
−HK$368/mo
Today · 4.125%
HK$14,225
baseline
▲ 0.50% · 4.625%
HK$14,974
+HK$749/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,450/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$15,597
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,082
−HK$493/mo
Today · 4.125%
HK$16,575
baseline
▲ 0.50% · 4.625%
HK$17,583
+HK$1,008/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$33,150/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$17,351
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,817
−HK$472/mo
Today · 4.125%
HK$18,289
baseline
▲ 0.50% · 4.625%
HK$19,253
+HK$964/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$36,578/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).