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$8,660
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,929
−HK$274/mo
Today · 4.125%
HK$9,203
baseline
▲ 0.50% · 4.625%
HK$9,763
+HK$560/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,406/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$9,634
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,892
−HK$262/mo
Today · 4.125%
HK$10,154
baseline
▲ 0.50% · 4.625%
HK$10,689
+HK$535/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,308/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$10,392
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,715
−HK$328/mo
Today · 4.125%
HK$11,043
baseline
▲ 0.50% · 4.625%
HK$11,715
+HK$672/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,086/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$11,561
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,871
−HK$314/mo
Today · 4.125%
HK$12,185
baseline
▲ 0.50% · 4.625%
HK$12,827
+HK$642/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,370/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$12,123
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,501
−HK$383/mo
Today · 4.125%
HK$12,884
baseline
▲ 0.50% · 4.625%
HK$13,668
+HK$784/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,768/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$13,487
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,849
−HK$367/mo
Today · 4.125%
HK$14,216
baseline
▲ 0.50% · 4.625%
HK$14,965
+HK$749/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,432/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$15,587
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,072
−HK$493/mo
Today · 4.125%
HK$16,565
baseline
▲ 0.50% · 4.625%
HK$17,573
+HK$1,008/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$33,130/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$17,341
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,806
−HK$472/mo
Today · 4.125%
HK$18,278
baseline
▲ 0.50% · 4.625%
HK$19,241
+HK$963/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$36,556/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).