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$8,627
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,895
−HK$273/mo
Today · 4.125%
HK$9,168
baseline
▲ 0.50% · 4.625%
HK$9,726
+HK$558/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,336/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$9,597
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,855
−HK$261/mo
Today · 4.125%
HK$10,116
baseline
▲ 0.50% · 4.625%
HK$10,649
+HK$533/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,232/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$10,352
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,674
−HK$327/mo
Today · 4.125%
HK$11,001
baseline
▲ 0.50% · 4.625%
HK$11,671
+HK$670/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$22,002/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$11,517
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,826
−HK$313/mo
Today · 4.125%
HK$12,139
baseline
▲ 0.50% · 4.625%
HK$12,779
+HK$640/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,278/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$12,078
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,453
−HK$382/mo
Today · 4.125%
HK$12,835
baseline
▲ 0.50% · 4.625%
HK$13,616
+HK$781/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$25,670/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$13,436
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,797
−HK$365/mo
Today · 4.125%
HK$14,162
baseline
▲ 0.50% · 4.625%
HK$14,909
+HK$747/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$28,324/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$15,528
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,011
−HK$491/mo
Today · 4.125%
HK$16,502
baseline
▲ 0.50% · 4.625%
HK$17,506
+HK$1,004/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$33,004/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$17,275
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,738
−HK$471/mo
Today · 4.125%
HK$18,209
baseline
▲ 0.50% · 4.625%
HK$19,168
+HK$959/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$36,418/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).