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$8,600
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,867
−HK$272/mo
Today · 4.125%
HK$9,139
baseline
▲ 0.50% · 4.625%
HK$9,695
+HK$556/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,278/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$9,567
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,824
−HK$260/mo
Today · 4.125%
HK$10,084
baseline
▲ 0.50% · 4.625%
HK$10,615
+HK$531/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,168/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$10,319
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,640
−HK$327/mo
Today · 4.125%
HK$10,967
baseline
▲ 0.50% · 4.625%
HK$11,634
+HK$667/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,934/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$11,480
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,788
−HK$313/mo
Today · 4.125%
HK$12,101
baseline
▲ 0.50% · 4.625%
HK$12,738
+HK$637/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,202/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$12,039
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,414
−HK$380/mo
Today · 4.125%
HK$12,794
baseline
▲ 0.50% · 4.625%
HK$13,573
+HK$779/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,588/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$13,394
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,753
−HK$364/mo
Today · 4.125%
HK$14,117
baseline
▲ 0.50% · 4.625%
HK$14,861
+HK$744/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,234/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$15,479
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,961
−HK$489/mo
Today · 4.125%
HK$16,450
baseline
▲ 0.50% · 4.625%
HK$17,451
+HK$1,001/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$32,900/mo (50% DSR)
Upfront cash ≈ HK$377K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,220
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,682
−HK$469/mo
Today · 4.125%
HK$18,151
baseline
▲ 0.50% · 4.625%
HK$19,108
+HK$957/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$36,302/mo (50% DSR)
Upfront cash ≈ HK$377K (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).