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$8,636
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,905
−HK$273/mo
Today · 4.125%
HK$9,178
baseline
▲ 0.50% · 4.625%
HK$9,736
+HK$558/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,356/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$9,608
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,866
−HK$261/mo
Today · 4.125%
HK$10,127
baseline
▲ 0.50% · 4.625%
HK$10,661
+HK$534/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,254/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$10,364
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,686
−HK$328/mo
Today · 4.125%
HK$11,014
baseline
▲ 0.50% · 4.625%
HK$11,684
+HK$670/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$22,028/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,530
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,839
−HK$313/mo
Today · 4.125%
HK$12,152
baseline
▲ 0.50% · 4.625%
HK$12,793
+HK$641/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,304/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,091
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,467
−HK$382/mo
Today · 4.125%
HK$12,849
baseline
▲ 0.50% · 4.625%
HK$13,631
+HK$782/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$25,698/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$13,451
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,812
−HK$366/mo
Today · 4.125%
HK$14,178
baseline
▲ 0.50% · 4.625%
HK$14,925
+HK$747/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$28,356/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$15,546
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,029
−HK$491/mo
Today · 4.125%
HK$16,520
baseline
▲ 0.50% · 4.625%
HK$17,526
+HK$1,006/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$33,040/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$17,294
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,758
−HK$471/mo
Today · 4.125%
HK$18,229
baseline
▲ 0.50% · 4.625%
HK$19,190
+HK$961/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$36,458/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).