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$8,652
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,921
−HK$274/mo
Today · 4.125%
HK$9,195
baseline
▲ 0.50% · 4.625%
HK$9,754
+HK$559/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,390/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$9,625
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,884
−HK$262/mo
Today · 4.125%
HK$10,146
baseline
▲ 0.50% · 4.625%
HK$10,680
+HK$534/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,292/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$10,383
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,706
−HK$328/mo
Today · 4.125%
HK$11,034
baseline
▲ 0.50% · 4.625%
HK$11,705
+HK$671/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,068/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$11,551
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,860
−HK$315/mo
Today · 4.125%
HK$12,175
baseline
▲ 0.50% · 4.625%
HK$12,816
+HK$641/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,350/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$12,113
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,490
−HK$383/mo
Today · 4.125%
HK$12,873
baseline
▲ 0.50% · 4.625%
HK$13,656
+HK$783/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,746/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$13,476
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,837
−HK$367/mo
Today · 4.125%
HK$14,204
baseline
▲ 0.50% · 4.625%
HK$14,952
+HK$748/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,408/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$15,574
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,058
−HK$493/mo
Today · 4.125%
HK$16,551
baseline
▲ 0.50% · 4.625%
HK$17,558
+HK$1,007/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$33,102/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$17,326
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,791
−HK$471/mo
Today · 4.125%
HK$18,262
baseline
▲ 0.50% · 4.625%
HK$19,225
+HK$963/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$36,524/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).