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$8,647
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,916
−HK$273/mo
Today · 4.125%
HK$9,189
baseline
▲ 0.50% · 4.625%
HK$9,748
+HK$559/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,378/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$9,620
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,878
−HK$261/mo
Today · 4.125%
HK$10,139
baseline
▲ 0.50% · 4.625%
HK$10,674
+HK$535/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,278/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$10,376
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,699
−HK$328/mo
Today · 4.125%
HK$11,027
baseline
▲ 0.50% · 4.625%
HK$11,698
+HK$671/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,054/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$11,544
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,853
−HK$314/mo
Today · 4.125%
HK$12,167
baseline
▲ 0.50% · 4.625%
HK$12,809
+HK$642/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,334/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$12,106
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,482
−HK$383/mo
Today · 4.125%
HK$12,865
baseline
▲ 0.50% · 4.625%
HK$13,648
+HK$783/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$25,730/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$13,468
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,829
−HK$366/mo
Today · 4.125%
HK$14,195
baseline
▲ 0.50% · 4.625%
HK$14,943
+HK$748/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$28,390/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$15,565
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,049
−HK$492/mo
Today · 4.125%
HK$16,541
baseline
▲ 0.50% · 4.625%
HK$17,547
+HK$1,006/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$33,082/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$17,316
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,780
−HK$471/mo
Today · 4.125%
HK$18,251
baseline
▲ 0.50% · 4.625%
HK$19,213
+HK$962/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$36,502/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).