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$8,645
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,914
−HK$273/mo
Today · 4.125%
HK$9,187
baseline
▲ 0.50% · 4.625%
HK$9,746
+HK$559/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,374/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$9,618
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,875
−HK$262/mo
Today · 4.125%
HK$10,137
baseline
▲ 0.50% · 4.625%
HK$10,671
+HK$534/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,274/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$10,374
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,697
−HK$328/mo
Today · 4.125%
HK$11,025
baseline
▲ 0.50% · 4.625%
HK$11,695
+HK$670/mo
Deposit HK$1.52M · loan HK$2.27M · min. income ≈ HK$22,050/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$11,541
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,851
−HK$314/mo
Today · 4.125%
HK$12,165
baseline
▲ 0.50% · 4.625%
HK$12,806
+HK$641/mo
Deposit HK$1.52M · loan HK$2.27M · min. income ≈ HK$24,330/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$12,103
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,480
−HK$382/mo
Today · 4.125%
HK$12,862
baseline
▲ 0.50% · 4.625%
HK$13,645
+HK$783/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$25,724/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$13,465
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,826
−HK$366/mo
Today · 4.125%
HK$14,192
baseline
▲ 0.50% · 4.625%
HK$14,940
+HK$748/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$28,384/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$15,561
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,045
−HK$492/mo
Today · 4.125%
HK$16,537
baseline
▲ 0.50% · 4.625%
HK$17,543
+HK$1,006/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$33,074/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$17,312
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,776
−HK$471/mo
Today · 4.125%
HK$18,247
baseline
▲ 0.50% · 4.625%
HK$19,209
+HK$962/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$36,494/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).