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$8,654
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,924
−HK$273/mo
Today · 4.125%
HK$9,197
baseline
▲ 0.50% · 4.625%
HK$9,757
+HK$560/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,394/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$9,628
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,886
−HK$262/mo
Today · 4.125%
HK$10,148
baseline
▲ 0.50% · 4.625%
HK$10,683
+HK$535/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,296/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$10,385
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,708
−HK$329/mo
Today · 4.125%
HK$11,037
baseline
▲ 0.50% · 4.625%
HK$11,708
+HK$671/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,074/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$11,554
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,863
−HK$315/mo
Today · 4.125%
HK$12,178
baseline
▲ 0.50% · 4.625%
HK$12,820
+HK$642/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,356/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$12,116
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,493
−HK$383/mo
Today · 4.125%
HK$12,876
baseline
▲ 0.50% · 4.625%
HK$13,660
+HK$784/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,752/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$13,479
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,841
−HK$366/mo
Today · 4.125%
HK$14,207
baseline
▲ 0.50% · 4.625%
HK$14,956
+HK$749/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,414/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$15,578
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,063
−HK$492/mo
Today · 4.125%
HK$16,555
baseline
▲ 0.50% · 4.625%
HK$17,562
+HK$1,007/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$33,110/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$17,330
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,795
−HK$472/mo
Today · 4.125%
HK$18,267
baseline
▲ 0.50% · 4.625%
HK$19,230
+HK$963/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$36,534/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).