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$8,646
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,915
−HK$273/mo
Today · 4.125%
HK$9,188
baseline
▲ 0.50% · 4.625%
HK$9,747
+HK$559/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,376/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$9,619
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,877
−HK$261/mo
Today · 4.125%
HK$10,138
baseline
▲ 0.50% · 4.625%
HK$10,673
+HK$535/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,276/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$10,375
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,698
−HK$328/mo
Today · 4.125%
HK$11,026
baseline
▲ 0.50% · 4.625%
HK$11,697
+HK$671/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,052/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$11,543
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,852
−HK$314/mo
Today · 4.125%
HK$12,166
baseline
▲ 0.50% · 4.625%
HK$12,807
+HK$641/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,332/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$12,105
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,481
−HK$383/mo
Today · 4.125%
HK$12,864
baseline
▲ 0.50% · 4.625%
HK$13,646
+HK$782/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$25,728/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$13,466
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,827
−HK$367/mo
Today · 4.125%
HK$14,194
baseline
▲ 0.50% · 4.625%
HK$14,942
+HK$748/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$28,388/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$15,563
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,047
−HK$492/mo
Today · 4.125%
HK$16,539
baseline
▲ 0.50% · 4.625%
HK$17,545
+HK$1,006/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$33,078/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$17,314
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,778
−HK$471/mo
Today · 4.125%
HK$18,249
baseline
▲ 0.50% · 4.625%
HK$19,211
+HK$962/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$36,498/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).