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$8,640
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,908
−HK$273/mo
Today · 4.125%
HK$9,181
baseline
▲ 0.50% · 4.625%
HK$9,740
+HK$559/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,362/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$9,611
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,869
−HK$262/mo
Today · 4.125%
HK$10,131
baseline
▲ 0.50% · 4.625%
HK$10,665
+HK$534/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,262/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$10,368
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,690
−HK$328/mo
Today · 4.125%
HK$11,018
baseline
▲ 0.50% · 4.625%
HK$11,688
+HK$670/mo
Deposit HK$1.52M · loan HK$2.27M · min. income ≈ HK$22,036/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$11,534
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,843
−HK$314/mo
Today · 4.125%
HK$12,157
baseline
▲ 0.50% · 4.625%
HK$12,798
+HK$641/mo
Deposit HK$1.52M · loan HK$2.27M · min. income ≈ HK$24,314/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$12,095
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,472
−HK$382/mo
Today · 4.125%
HK$12,854
baseline
▲ 0.50% · 4.625%
HK$13,636
+HK$782/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$25,708/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$13,456
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,817
−HK$366/mo
Today · 4.125%
HK$14,183
baseline
▲ 0.50% · 4.625%
HK$14,931
+HK$748/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$28,366/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$15,551
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,035
−HK$492/mo
Today · 4.125%
HK$16,527
baseline
▲ 0.50% · 4.625%
HK$17,532
+HK$1,005/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$33,054/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$17,301
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,765
−HK$470/mo
Today · 4.125%
HK$18,235
baseline
▲ 0.50% · 4.625%
HK$19,197
+HK$962/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$36,470/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).