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$8,646
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,915
−HK$273/mo
Today · 4.125%
HK$9,188
baseline
▲ 0.50% · 4.625%
HK$9,747
+HK$559/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,376/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$9,618
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,876
−HK$262/mo
Today · 4.125%
HK$10,138
baseline
▲ 0.50% · 4.625%
HK$10,672
+HK$534/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,276/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$10,375
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,697
−HK$328/mo
Today · 4.125%
HK$11,025
baseline
▲ 0.50% · 4.625%
HK$11,696
+HK$671/mo
Deposit HK$1.52M · loan HK$2.27M · min. income ≈ HK$22,050/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$11,542
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,851
−HK$314/mo
Today · 4.125%
HK$12,165
baseline
▲ 0.50% · 4.625%
HK$12,807
+HK$642/mo
Deposit HK$1.52M · loan HK$2.27M · min. income ≈ HK$24,330/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$12,104
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,480
−HK$383/mo
Today · 4.125%
HK$12,863
baseline
▲ 0.50% · 4.625%
HK$13,646
+HK$783/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$25,726/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$13,465
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,827
−HK$366/mo
Today · 4.125%
HK$14,193
baseline
▲ 0.50% · 4.625%
HK$14,941
+HK$748/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$28,386/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$15,562
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,046
−HK$492/mo
Today · 4.125%
HK$16,538
baseline
▲ 0.50% · 4.625%
HK$17,544
+HK$1,006/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$33,076/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$17,313
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,777
−HK$471/mo
Today · 4.125%
HK$18,248
baseline
▲ 0.50% · 4.625%
HK$19,210
+HK$962/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$36,496/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).