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$8,683
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,954
−HK$274/mo
Today · 4.125%
HK$9,228
baseline
▲ 0.50% · 4.625%
HK$9,789
+HK$561/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,456/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$9,660
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,919
−HK$263/mo
Today · 4.125%
HK$10,182
baseline
▲ 0.50% · 4.625%
HK$10,719
+HK$537/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,364/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$10,420
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,744
−HK$330/mo
Today · 4.125%
HK$11,074
baseline
▲ 0.50% · 4.625%
HK$11,747
+HK$673/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,148/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$11,592
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,903
−HK$316/mo
Today · 4.125%
HK$12,219
baseline
▲ 0.50% · 4.625%
HK$12,863
+HK$644/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,438/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$12,157
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,535
−HK$384/mo
Today · 4.125%
HK$12,919
baseline
▲ 0.50% · 4.625%
HK$13,705
+HK$786/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$25,838/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$13,524
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,887
−HK$368/mo
Today · 4.125%
HK$14,255
baseline
▲ 0.50% · 4.625%
HK$15,006
+HK$751/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$28,510/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$15,630
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,116
−HK$494/mo
Today · 4.125%
HK$16,610
baseline
▲ 0.50% · 4.625%
HK$17,621
+HK$1,011/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$33,220/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$17,388
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,855
−HK$473/mo
Today · 4.125%
HK$18,328
baseline
▲ 0.50% · 4.625%
HK$19,294
+HK$966/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$36,656/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).