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$8,658
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,927
−HK$274/mo
Today · 4.125%
HK$9,201
baseline
▲ 0.50% · 4.625%
HK$9,761
+HK$560/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,402/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$9,632
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,890
−HK$262/mo
Today · 4.125%
HK$10,152
baseline
▲ 0.50% · 4.625%
HK$10,687
+HK$535/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,304/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$10,390
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,713
−HK$328/mo
Today · 4.125%
HK$11,041
baseline
▲ 0.50% · 4.625%
HK$11,713
+HK$672/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,082/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$11,558
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,868
−HK$315/mo
Today · 4.125%
HK$12,183
baseline
▲ 0.50% · 4.625%
HK$12,825
+HK$642/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,366/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$12,121
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,498
−HK$383/mo
Today · 4.125%
HK$12,881
baseline
▲ 0.50% · 4.625%
HK$13,665
+HK$784/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,762/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$13,485
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,846
−HK$367/mo
Today · 4.125%
HK$14,213
baseline
▲ 0.50% · 4.625%
HK$14,962
+HK$749/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,426/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$15,584
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,069
−HK$493/mo
Today · 4.125%
HK$16,562
baseline
▲ 0.50% · 4.625%
HK$17,569
+HK$1,007/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$33,124/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$17,337
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,802
−HK$472/mo
Today · 4.125%
HK$18,274
baseline
▲ 0.50% · 4.625%
HK$19,237
+HK$963/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$36,548/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).