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$8,675
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,945
−HK$274/mo
Today · 4.125%
HK$9,219
baseline
▲ 0.50% · 4.625%
HK$9,780
+HK$561/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,438/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$9,650
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,909
−HK$263/mo
Today · 4.125%
HK$10,172
baseline
▲ 0.50% · 4.625%
HK$10,708
+HK$536/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,344/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$10,410
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,733
−HK$329/mo
Today · 4.125%
HK$11,062
baseline
▲ 0.50% · 4.625%
HK$11,736
+HK$674/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,124/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$11,581
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,891
−HK$315/mo
Today · 4.125%
HK$12,206
baseline
▲ 0.50% · 4.625%
HK$12,850
+HK$644/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,412/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$12,145
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,522
−HK$384/mo
Today · 4.125%
HK$12,906
baseline
▲ 0.50% · 4.625%
HK$13,691
+HK$785/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,812/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$13,511
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,873
−HK$368/mo
Today · 4.125%
HK$14,241
baseline
▲ 0.50% · 4.625%
HK$14,991
+HK$750/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,482/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$15,614
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,100
−HK$494/mo
Today · 4.125%
HK$16,594
baseline
▲ 0.50% · 4.625%
HK$17,603
+HK$1,009/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$33,188/mo (50% DSR)
Upfront cash ≈ HK$381K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,371
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,837
−HK$472/mo
Today · 4.125%
HK$18,309
baseline
▲ 0.50% · 4.625%
HK$19,274
+HK$965/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$36,618/mo (50% DSR)
Upfront cash ≈ HK$381K (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).