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$8,644
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,912
−HK$274/mo
Today · 4.125%
HK$9,186
baseline
▲ 0.50% · 4.625%
HK$9,744
+HK$558/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,372/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$9,616
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,874
−HK$261/mo
Today · 4.125%
HK$10,135
baseline
▲ 0.50% · 4.625%
HK$10,670
+HK$535/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,270/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$10,372
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,695
−HK$328/mo
Today · 4.125%
HK$11,023
baseline
▲ 0.50% · 4.625%
HK$11,693
+HK$670/mo
Deposit HK$1.52M · loan HK$2.27M · min. income ≈ HK$22,046/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$11,539
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,848
−HK$314/mo
Today · 4.125%
HK$12,162
baseline
▲ 0.50% · 4.625%
HK$12,804
+HK$642/mo
Deposit HK$1.52M · loan HK$2.27M · min. income ≈ HK$24,324/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$12,101
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,477
−HK$383/mo
Today · 4.125%
HK$12,860
baseline
▲ 0.50% · 4.625%
HK$13,642
+HK$782/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$25,720/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$13,462
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,823
−HK$366/mo
Today · 4.125%
HK$14,189
baseline
▲ 0.50% · 4.625%
HK$14,937
+HK$748/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$28,378/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$15,558
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,042
−HK$492/mo
Today · 4.125%
HK$16,534
baseline
▲ 0.50% · 4.625%
HK$17,540
+HK$1,006/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$33,068/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$17,309
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,773
−HK$471/mo
Today · 4.125%
HK$18,244
baseline
▲ 0.50% · 4.625%
HK$19,205
+HK$961/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$36,488/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).