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$8,661
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,930
−HK$274/mo
Today · 4.125%
HK$9,204
baseline
▲ 0.50% · 4.625%
HK$9,764
+HK$560/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,408/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$9,635
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,893
−HK$263/mo
Today · 4.125%
HK$10,156
baseline
▲ 0.50% · 4.625%
HK$10,691
+HK$535/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,312/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$10,393
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,716
−HK$329/mo
Today · 4.125%
HK$11,045
baseline
▲ 0.50% · 4.625%
HK$11,717
+HK$672/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,090/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$11,562
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,872
−HK$315/mo
Today · 4.125%
HK$12,187
baseline
▲ 0.50% · 4.625%
HK$12,829
+HK$642/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,374/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$12,125
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,502
−HK$383/mo
Today · 4.125%
HK$12,885
baseline
▲ 0.50% · 4.625%
HK$13,670
+HK$785/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,770/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$13,489
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,851
−HK$367/mo
Today · 4.125%
HK$14,218
baseline
▲ 0.50% · 4.625%
HK$14,967
+HK$749/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,436/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$15,589
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,074
−HK$493/mo
Today · 4.125%
HK$16,567
baseline
▲ 0.50% · 4.625%
HK$17,575
+HK$1,008/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$33,134/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$17,343
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,808
−HK$472/mo
Today · 4.125%
HK$18,280
baseline
▲ 0.50% · 4.625%
HK$19,244
+HK$964/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$36,560/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).