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$8,644
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,913
−HK$273/mo
Today · 4.125%
HK$9,186
baseline
▲ 0.50% · 4.625%
HK$9,745
+HK$559/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,372/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$9,617
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,875
−HK$261/mo
Today · 4.125%
HK$10,136
baseline
▲ 0.50% · 4.625%
HK$10,671
+HK$535/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,272/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$10,373
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,696
−HK$328/mo
Today · 4.125%
HK$11,024
baseline
▲ 0.50% · 4.625%
HK$11,695
+HK$671/mo
Deposit HK$1.52M · loan HK$2.27M · min. income ≈ HK$22,048/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$11,540
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,850
−HK$314/mo
Today · 4.125%
HK$12,164
baseline
▲ 0.50% · 4.625%
HK$12,805
+HK$641/mo
Deposit HK$1.52M · loan HK$2.27M · min. income ≈ HK$24,328/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$12,102
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,479
−HK$382/mo
Today · 4.125%
HK$12,861
baseline
▲ 0.50% · 4.625%
HK$13,644
+HK$783/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$25,722/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$13,464
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,825
−HK$366/mo
Today · 4.125%
HK$14,191
baseline
▲ 0.50% · 4.625%
HK$14,939
+HK$748/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$28,382/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$15,560
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,044
−HK$492/mo
Today · 4.125%
HK$16,536
baseline
▲ 0.50% · 4.625%
HK$17,542
+HK$1,006/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$33,072/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$17,310
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,774
−HK$471/mo
Today · 4.125%
HK$18,245
baseline
▲ 0.50% · 4.625%
HK$19,207
+HK$962/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$36,490/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).