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$8,668
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,938
−HK$274/mo
Today · 4.125%
HK$9,212
baseline
▲ 0.50% · 4.625%
HK$9,772
+HK$560/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,424/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$9,643
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,902
−HK$262/mo
Today · 4.125%
HK$10,164
baseline
▲ 0.50% · 4.625%
HK$10,700
+HK$536/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,328/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$10,402
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,725
−HK$329/mo
Today · 4.125%
HK$11,054
baseline
▲ 0.50% · 4.625%
HK$11,726
+HK$672/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,108/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$11,572
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,882
−HK$315/mo
Today · 4.125%
HK$12,197
baseline
▲ 0.50% · 4.625%
HK$12,840
+HK$643/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,394/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$12,135
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,513
−HK$383/mo
Today · 4.125%
HK$12,896
baseline
▲ 0.50% · 4.625%
HK$13,681
+HK$785/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,792/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$13,500
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,862
−HK$368/mo
Today · 4.125%
HK$14,230
baseline
▲ 0.50% · 4.625%
HK$14,980
+HK$750/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,460/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$15,602
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,088
−HK$493/mo
Today · 4.125%
HK$16,581
baseline
▲ 0.50% · 4.625%
HK$17,590
+HK$1,009/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$33,162/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$17,358
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,823
−HK$472/mo
Today · 4.125%
HK$18,295
baseline
▲ 0.50% · 4.625%
HK$19,260
+HK$965/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$36,590/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).