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$8,643
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,912
−HK$273/mo
Today · 4.125%
HK$9,185
baseline
▲ 0.50% · 4.625%
HK$9,744
+HK$559/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,370/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$9,615
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,873
−HK$261/mo
Today · 4.125%
HK$10,134
baseline
▲ 0.50% · 4.625%
HK$10,669
+HK$535/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,268/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$10,371
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,694
−HK$328/mo
Today · 4.125%
HK$11,022
baseline
▲ 0.50% · 4.625%
HK$11,692
+HK$670/mo
Deposit HK$1.52M · loan HK$2.27M · min. income ≈ HK$22,044/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$11,538
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,847
−HK$314/mo
Today · 4.125%
HK$12,161
baseline
▲ 0.50% · 4.625%
HK$12,802
+HK$641/mo
Deposit HK$1.52M · loan HK$2.27M · min. income ≈ HK$24,322/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$12,100
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,476
−HK$383/mo
Today · 4.125%
HK$12,859
baseline
▲ 0.50% · 4.625%
HK$13,641
+HK$782/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$25,718/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$13,461
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,822
−HK$366/mo
Today · 4.125%
HK$14,188
baseline
▲ 0.50% · 4.625%
HK$14,936
+HK$748/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$28,376/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$15,557
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,041
−HK$491/mo
Today · 4.125%
HK$16,532
baseline
▲ 0.50% · 4.625%
HK$17,538
+HK$1,006/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$33,064/mo (50% DSR)
Upfront cash ≈ HK$379K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,307
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,771
−HK$471/mo
Today · 4.125%
HK$18,242
baseline
▲ 0.50% · 4.625%
HK$19,204
+HK$962/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$36,484/mo (50% DSR)
Upfront cash ≈ HK$379K (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).