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$8,609
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,877
−HK$272/mo
Today · 4.125%
HK$9,149
baseline
▲ 0.50% · 4.625%
HK$9,706
+HK$557/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,298/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$9,577
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,834
−HK$261/mo
Today · 4.125%
HK$10,095
baseline
▲ 0.50% · 4.625%
HK$10,627
+HK$532/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,190/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$10,331
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,652
−HK$327/mo
Today · 4.125%
HK$10,979
baseline
▲ 0.50% · 4.625%
HK$11,647
+HK$668/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$21,958/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$11,493
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,801
−HK$313/mo
Today · 4.125%
HK$12,114
baseline
▲ 0.50% · 4.625%
HK$12,752
+HK$638/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,228/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$12,053
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,428
−HK$380/mo
Today · 4.125%
HK$12,808
baseline
▲ 0.50% · 4.625%
HK$13,588
+HK$780/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,616/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$13,408
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,768
−HK$365/mo
Today · 4.125%
HK$14,133
baseline
▲ 0.50% · 4.625%
HK$14,878
+HK$745/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,266/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$15,496
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,978
−HK$490/mo
Today · 4.125%
HK$16,468
baseline
▲ 0.50% · 4.625%
HK$17,470
+HK$1,002/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$32,936/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$17,239
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,702
−HK$469/mo
Today · 4.125%
HK$18,171
baseline
▲ 0.50% · 4.625%
HK$19,129
+HK$958/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$36,342/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).