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$8,653
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,922
−HK$273/mo
Today · 4.125%
HK$9,195
baseline
▲ 0.50% · 4.625%
HK$9,755
+HK$560/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$9,626
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,884
−HK$262/mo
Today · 4.125%
HK$10,146
baseline
▲ 0.50% · 4.625%
HK$10,681
+HK$535/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$11,706
+HK$672/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$11,861
−HK$314/mo
Today · 4.125%
HK$12,175
baseline
▲ 0.50% · 4.625%
HK$12,817
+HK$642/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$12,114
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,491
−HK$382/mo
Today · 4.125%
HK$12,873
baseline
▲ 0.50% · 4.625%
HK$13,657
+HK$784/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$13,477
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,838
−HK$367/mo
Today · 4.125%
HK$14,205
baseline
▲ 0.50% · 4.625%
HK$14,953
+HK$748/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,410/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$15,575
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,059
−HK$493/mo
Today · 4.125%
HK$16,552
baseline
▲ 0.50% · 4.625%
HK$17,559
+HK$1,007/mo
Deposit HK$379K · loan HK$3.42M · min. income ≈ HK$33,104/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$17,327
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,792
−HK$471/mo
Today · 4.125%
HK$18,263
baseline
▲ 0.50% · 4.625%
HK$19,226
+HK$963/mo
Deposit HK$379K · loan HK$3.42M · min. income ≈ HK$36,526/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).