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$8,667
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,937
−HK$274/mo
Today · 4.125%
HK$9,211
baseline
▲ 0.50% · 4.625%
HK$9,771
+HK$560/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,422/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$9,642
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,901
−HK$262/mo
Today · 4.125%
HK$10,163
baseline
▲ 0.50% · 4.625%
HK$10,699
+HK$536/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,326/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$10,400
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,724
−HK$329/mo
Today · 4.125%
HK$11,053
baseline
▲ 0.50% · 4.625%
HK$11,725
+HK$672/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,106/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$11,570
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,881
−HK$315/mo
Today · 4.125%
HK$12,196
baseline
▲ 0.50% · 4.625%
HK$12,838
+HK$642/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,392/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$12,134
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,511
−HK$384/mo
Today · 4.125%
HK$12,895
baseline
▲ 0.50% · 4.625%
HK$13,679
+HK$784/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,790/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$13,499
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,861
−HK$367/mo
Today · 4.125%
HK$14,228
baseline
▲ 0.50% · 4.625%
HK$14,978
+HK$750/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,456/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$15,601
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,086
−HK$493/mo
Today · 4.125%
HK$16,579
baseline
▲ 0.50% · 4.625%
HK$17,588
+HK$1,009/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$33,158/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$17,356
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,821
−HK$472/mo
Today · 4.125%
HK$18,293
baseline
▲ 0.50% · 4.625%
HK$19,258
+HK$965/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$36,586/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).