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$8,678
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,948
−HK$274/mo
Today · 4.125%
HK$9,222
baseline
▲ 0.50% · 4.625%
HK$9,783
+HK$561/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,444/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$9,654
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,913
−HK$263/mo
Today · 4.125%
HK$10,176
baseline
▲ 0.50% · 4.625%
HK$10,712
+HK$536/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,352/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$10,414
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,738
−HK$329/mo
Today · 4.125%
HK$11,067
baseline
▲ 0.50% · 4.625%
HK$11,740
+HK$673/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,134/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$11,585
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,896
−HK$315/mo
Today · 4.125%
HK$12,211
baseline
▲ 0.50% · 4.625%
HK$12,855
+HK$644/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,422/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$12,149
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,527
−HK$384/mo
Today · 4.125%
HK$12,911
baseline
▲ 0.50% · 4.625%
HK$13,697
+HK$786/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,822/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$13,516
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,878
−HK$368/mo
Today · 4.125%
HK$14,246
baseline
▲ 0.50% · 4.625%
HK$14,997
+HK$751/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,492/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$15,621
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,106
−HK$494/mo
Today · 4.125%
HK$16,600
baseline
▲ 0.50% · 4.625%
HK$17,610
+HK$1,010/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$33,200/mo (50% DSR)
Upfront cash ≈ HK$381K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,378
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,844
−HK$473/mo
Today · 4.125%
HK$18,317
baseline
▲ 0.50% · 4.625%
HK$19,282
+HK$965/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$36,634/mo (50% DSR)
Upfront cash ≈ HK$381K (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).