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$8,670
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,939
−HK$274/mo
Today · 4.125%
HK$9,213
baseline
▲ 0.50% · 4.625%
HK$9,774
+HK$561/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,426/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$9,645
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,904
−HK$262/mo
Today · 4.125%
HK$10,166
baseline
▲ 0.50% · 4.625%
HK$10,702
+HK$536/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,332/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$10,404
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,727
−HK$329/mo
Today · 4.125%
HK$11,056
baseline
▲ 0.50% · 4.625%
HK$11,729
+HK$673/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,112/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$11,574
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,884
−HK$315/mo
Today · 4.125%
HK$12,199
baseline
▲ 0.50% · 4.625%
HK$12,842
+HK$643/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,398/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$12,138
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,515
−HK$384/mo
Today · 4.125%
HK$12,899
baseline
▲ 0.50% · 4.625%
HK$13,683
+HK$784/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,798/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$13,503
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,865
−HK$367/mo
Today · 4.125%
HK$14,232
baseline
▲ 0.50% · 4.625%
HK$14,983
+HK$751/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,464/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$15,605
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,091
−HK$493/mo
Today · 4.125%
HK$16,584
baseline
▲ 0.50% · 4.625%
HK$17,593
+HK$1,009/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$33,168/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$17,361
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,826
−HK$473/mo
Today · 4.125%
HK$18,299
baseline
▲ 0.50% · 4.625%
HK$19,263
+HK$964/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$36,598/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).