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$8,642
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,911
−HK$273/mo
Today · 4.125%
HK$9,184
baseline
▲ 0.50% · 4.625%
HK$9,743
+HK$559/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,368/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$9,615
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,873
−HK$261/mo
Today · 4.125%
HK$10,134
baseline
▲ 0.50% · 4.625%
HK$10,668
+HK$534/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,268/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$10,371
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,694
−HK$327/mo
Today · 4.125%
HK$11,021
baseline
▲ 0.50% · 4.625%
HK$11,692
+HK$671/mo
Deposit HK$1.52M · loan HK$2.27M · min. income ≈ HK$22,042/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$11,538
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,847
−HK$314/mo
Today · 4.125%
HK$12,161
baseline
▲ 0.50% · 4.625%
HK$12,802
+HK$641/mo
Deposit HK$1.52M · loan HK$2.27M · min. income ≈ HK$24,322/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$12,099
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,476
−HK$382/mo
Today · 4.125%
HK$12,858
baseline
▲ 0.50% · 4.625%
HK$13,641
+HK$783/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$25,716/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$13,461
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,822
−HK$366/mo
Today · 4.125%
HK$14,188
baseline
▲ 0.50% · 4.625%
HK$14,936
+HK$748/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$28,376/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$15,556
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,040
−HK$492/mo
Today · 4.125%
HK$16,532
baseline
▲ 0.50% · 4.625%
HK$17,538
+HK$1,006/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$33,064/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$17,306
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,771
−HK$470/mo
Today · 4.125%
HK$18,241
baseline
▲ 0.50% · 4.625%
HK$19,203
+HK$962/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$36,482/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).