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$8,617
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,885
−HK$272/mo
Today · 4.125%
HK$9,157
baseline
▲ 0.50% · 4.625%
HK$9,715
+HK$558/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,314/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,586
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,844
−HK$260/mo
Today · 4.125%
HK$10,104
baseline
▲ 0.50% · 4.625%
HK$10,637
+HK$533/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,208/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,341
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,662
−HK$327/mo
Today · 4.125%
HK$10,989
baseline
▲ 0.50% · 4.625%
HK$11,658
+HK$669/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$21,978/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,504
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,812
−HK$313/mo
Today · 4.125%
HK$12,125
baseline
▲ 0.50% · 4.625%
HK$12,764
+HK$639/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,250/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,064
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,439
−HK$381/mo
Today · 4.125%
HK$12,820
baseline
▲ 0.50% · 4.625%
HK$13,601
+HK$781/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$25,640/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,421
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,781
−HK$365/mo
Today · 4.125%
HK$14,146
baseline
▲ 0.50% · 4.625%
HK$14,892
+HK$746/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$28,292/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,511
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,993
−HK$490/mo
Today · 4.125%
HK$16,483
baseline
▲ 0.50% · 4.625%
HK$17,486
+HK$1,003/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$32,966/mo (50% DSR)
Upfront cash ≈ HK$378K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,256
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,718
−HK$470/mo
Today · 4.125%
HK$18,188
baseline
▲ 0.50% · 4.625%
HK$19,147
+HK$959/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$36,376/mo (50% DSR)
Upfront cash ≈ HK$378K (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).