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$8,676
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,946
−HK$275/mo
Today · 4.125%
HK$9,221
baseline
▲ 0.50% · 4.625%
HK$9,782
+HK$561/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,442/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$9,653
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,911
−HK$263/mo
Today · 4.125%
HK$10,174
baseline
▲ 0.50% · 4.625%
HK$10,710
+HK$536/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,348/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$10,412
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,736
−HK$329/mo
Today · 4.125%
HK$11,065
baseline
▲ 0.50% · 4.625%
HK$11,738
+HK$673/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,130/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$11,583
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,894
−HK$315/mo
Today · 4.125%
HK$12,209
baseline
▲ 0.50% · 4.625%
HK$12,852
+HK$643/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,418/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$12,147
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,525
−HK$384/mo
Today · 4.125%
HK$12,909
baseline
▲ 0.50% · 4.625%
HK$13,694
+HK$785/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,818/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$13,514
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,876
−HK$368/mo
Today · 4.125%
HK$14,244
baseline
▲ 0.50% · 4.625%
HK$14,994
+HK$750/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,488/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$15,618
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,103
−HK$494/mo
Today · 4.125%
HK$16,597
baseline
▲ 0.50% · 4.625%
HK$17,607
+HK$1,010/mo
Deposit HK$381K · loan HK$3.42M · min. income ≈ HK$33,194/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$17,375
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,841
−HK$472/mo
Today · 4.125%
HK$18,313
baseline
▲ 0.50% · 4.625%
HK$19,279
+HK$966/mo
Deposit HK$381K · loan HK$3.42M · min. income ≈ HK$36,626/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).