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$8,620
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,888
−HK$272/mo
Today · 4.125%
HK$9,160
baseline
▲ 0.50% · 4.625%
HK$9,718
+HK$558/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,320/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$9,589
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,847
−HK$260/mo
Today · 4.125%
HK$10,107
baseline
▲ 0.50% · 4.625%
HK$10,640
+HK$533/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,214/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$10,344
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,665
−HK$327/mo
Today · 4.125%
HK$10,992
baseline
▲ 0.50% · 4.625%
HK$11,661
+HK$669/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$21,984/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$11,507
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,816
−HK$313/mo
Today · 4.125%
HK$12,129
baseline
▲ 0.50% · 4.625%
HK$12,768
+HK$639/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,258/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$12,068
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,443
−HK$381/mo
Today · 4.125%
HK$12,824
baseline
▲ 0.50% · 4.625%
HK$13,605
+HK$781/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$25,648/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$13,425
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,785
−HK$365/mo
Today · 4.125%
HK$14,150
baseline
▲ 0.50% · 4.625%
HK$14,896
+HK$746/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$28,300/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$15,515
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,998
−HK$490/mo
Today · 4.125%
HK$16,488
baseline
▲ 0.50% · 4.625%
HK$17,492
+HK$1,004/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$32,976/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$17,261
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,724
−HK$469/mo
Today · 4.125%
HK$18,193
baseline
▲ 0.50% · 4.625%
HK$19,152
+HK$959/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$36,386/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).