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$8,664
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,934
−HK$273/mo
Today · 4.125%
HK$9,207
baseline
▲ 0.50% · 4.625%
HK$9,768
+HK$561/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,414/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$9,639
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,897
−HK$262/mo
Today · 4.125%
HK$10,159
baseline
▲ 0.50% · 4.625%
HK$10,695
+HK$536/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,318/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$10,397
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,720
−HK$329/mo
Today · 4.125%
HK$11,049
baseline
▲ 0.50% · 4.625%
HK$11,721
+HK$672/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,098/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$11,566
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,877
−HK$314/mo
Today · 4.125%
HK$12,191
baseline
▲ 0.50% · 4.625%
HK$12,834
+HK$643/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,382/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$12,130
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,507
−HK$383/mo
Today · 4.125%
HK$12,890
baseline
▲ 0.50% · 4.625%
HK$13,675
+HK$785/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,780/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$13,494
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,856
−HK$367/mo
Today · 4.125%
HK$14,223
baseline
▲ 0.50% · 4.625%
HK$14,973
+HK$750/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,446/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$15,595
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,080
−HK$493/mo
Today · 4.125%
HK$16,573
baseline
▲ 0.50% · 4.625%
HK$17,582
+HK$1,009/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$33,146/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$17,350
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,815
−HK$472/mo
Today · 4.125%
HK$18,287
baseline
▲ 0.50% · 4.625%
HK$19,251
+HK$964/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$36,574/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).