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$8,673
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,943
−HK$274/mo
Today · 4.125%
HK$9,217
baseline
▲ 0.50% · 4.625%
HK$9,778
+HK$561/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,434/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$9,649
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,907
−HK$263/mo
Today · 4.125%
HK$10,170
baseline
▲ 0.50% · 4.625%
HK$10,706
+HK$536/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,340/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$10,408
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,731
−HK$329/mo
Today · 4.125%
HK$11,060
baseline
▲ 0.50% · 4.625%
HK$11,733
+HK$673/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,120/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$11,578
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,889
−HK$315/mo
Today · 4.125%
HK$12,204
baseline
▲ 0.50% · 4.625%
HK$12,847
+HK$643/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,408/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$12,142
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,520
−HK$383/mo
Today · 4.125%
HK$12,903
baseline
▲ 0.50% · 4.625%
HK$13,689
+HK$786/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,806/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$13,508
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,870
−HK$368/mo
Today · 4.125%
HK$14,238
baseline
▲ 0.50% · 4.625%
HK$14,988
+HK$750/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,476/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$15,611
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,097
−HK$493/mo
Today · 4.125%
HK$16,590
baseline
▲ 0.50% · 4.625%
HK$17,600
+HK$1,010/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$33,180/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$17,367
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,833
−HK$473/mo
Today · 4.125%
HK$18,306
baseline
▲ 0.50% · 4.625%
HK$19,271
+HK$965/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$36,612/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).