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$8,655
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,925
−HK$273/mo
Today · 4.125%
HK$9,198
baseline
▲ 0.50% · 4.625%
HK$9,758
+HK$560/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,396/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$9,629
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,887
−HK$262/mo
Today · 4.125%
HK$10,149
baseline
▲ 0.50% · 4.625%
HK$10,684
+HK$535/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,298/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$10,386
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,710
−HK$328/mo
Today · 4.125%
HK$11,038
baseline
▲ 0.50% · 4.625%
HK$11,709
+HK$671/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,076/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$11,555
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,865
−HK$314/mo
Today · 4.125%
HK$12,179
baseline
▲ 0.50% · 4.625%
HK$12,821
+HK$642/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,358/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$12,118
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,494
−HK$383/mo
Today · 4.125%
HK$12,877
baseline
▲ 0.50% · 4.625%
HK$13,661
+HK$784/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,754/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$13,481
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,842
−HK$367/mo
Today · 4.125%
HK$14,209
baseline
▲ 0.50% · 4.625%
HK$14,958
+HK$749/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,418/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$15,580
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,064
−HK$493/mo
Today · 4.125%
HK$16,557
baseline
▲ 0.50% · 4.625%
HK$17,564
+HK$1,007/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$33,114/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$17,332
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,797
−HK$472/mo
Today · 4.125%
HK$18,269
baseline
▲ 0.50% · 4.625%
HK$19,232
+HK$963/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$36,538/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).