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$8,659
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,929
−HK$273/mo
Today · 4.125%
HK$9,202
baseline
▲ 0.50% · 4.625%
HK$9,762
+HK$560/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,404/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$9,633
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,892
−HK$262/mo
Today · 4.125%
HK$10,154
baseline
▲ 0.50% · 4.625%
HK$10,689
+HK$535/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,308/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$10,391
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,714
−HK$329/mo
Today · 4.125%
HK$11,043
baseline
▲ 0.50% · 4.625%
HK$11,715
+HK$672/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,086/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$11,560
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,870
−HK$315/mo
Today · 4.125%
HK$12,185
baseline
▲ 0.50% · 4.625%
HK$12,827
+HK$642/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,370/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$12,123
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,500
−HK$383/mo
Today · 4.125%
HK$12,883
baseline
▲ 0.50% · 4.625%
HK$13,667
+HK$784/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,766/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$13,487
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,849
−HK$366/mo
Today · 4.125%
HK$14,215
baseline
▲ 0.50% · 4.625%
HK$14,965
+HK$750/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,430/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$15,587
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,072
−HK$492/mo
Today · 4.125%
HK$16,564
baseline
▲ 0.50% · 4.625%
HK$17,572
+HK$1,008/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$33,128/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$17,340
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,805
−HK$472/mo
Today · 4.125%
HK$18,277
baseline
▲ 0.50% · 4.625%
HK$19,240
+HK$963/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$36,554/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).