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$8,686
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,956
−HK$275/mo
Today · 4.125%
HK$9,231
baseline
▲ 0.50% · 4.625%
HK$9,793
+HK$562/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,462/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$9,663
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,922
−HK$263/mo
Today · 4.125%
HK$10,185
baseline
▲ 0.50% · 4.625%
HK$10,722
+HK$537/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,370/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$10,423
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,748
−HK$329/mo
Today · 4.125%
HK$11,077
baseline
▲ 0.50% · 4.625%
HK$11,751
+HK$674/mo
Deposit HK$1.52M · loan HK$2.29M · min. income ≈ HK$22,154/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$11,596
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,907
−HK$315/mo
Today · 4.125%
HK$12,222
baseline
▲ 0.50% · 4.625%
HK$12,867
+HK$645/mo
Deposit HK$1.52M · loan HK$2.29M · min. income ≈ HK$24,444/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$12,161
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,539
−HK$384/mo
Today · 4.125%
HK$12,923
baseline
▲ 0.50% · 4.625%
HK$13,710
+HK$787/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$25,846/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$13,529
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,891
−HK$368/mo
Today · 4.125%
HK$14,259
baseline
▲ 0.50% · 4.625%
HK$15,011
+HK$752/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$28,518/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$15,635
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,121
−HK$495/mo
Today · 4.125%
HK$16,616
baseline
▲ 0.50% · 4.625%
HK$17,627
+HK$1,011/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$33,232/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$17,394
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,860
−HK$474/mo
Today · 4.125%
HK$18,334
baseline
▲ 0.50% · 4.625%
HK$19,300
+HK$966/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$36,668/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).