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$8,630
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,898
−HK$273/mo
Today · 4.125%
HK$9,171
baseline
▲ 0.50% · 4.625%
HK$9,729
+HK$558/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,342/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$9,600
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,858
−HK$261/mo
Today · 4.125%
HK$10,119
baseline
▲ 0.50% · 4.625%
HK$10,653
+HK$534/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,238/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$10,356
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,678
−HK$327/mo
Today · 4.125%
HK$11,005
baseline
▲ 0.50% · 4.625%
HK$11,675
+HK$670/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$22,010/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$11,521
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,829
−HK$314/mo
Today · 4.125%
HK$12,143
baseline
▲ 0.50% · 4.625%
HK$12,783
+HK$640/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,286/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$12,082
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,457
−HK$382/mo
Today · 4.125%
HK$12,839
baseline
▲ 0.50% · 4.625%
HK$13,620
+HK$781/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$25,678/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$13,441
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,801
−HK$366/mo
Today · 4.125%
HK$14,167
baseline
▲ 0.50% · 4.625%
HK$14,914
+HK$747/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$28,334/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$15,533
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,017
−HK$491/mo
Today · 4.125%
HK$16,508
baseline
▲ 0.50% · 4.625%
HK$17,512
+HK$1,004/mo
Deposit HK$378K · loan HK$3.41M · min. income ≈ HK$33,016/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$17,281
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,744
−HK$470/mo
Today · 4.125%
HK$18,214
baseline
▲ 0.50% · 4.625%
HK$19,175
+HK$961/mo
Deposit HK$378K · loan HK$3.41M · min. income ≈ HK$36,428/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).