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$8,607
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,875
−HK$272/mo
Today · 4.125%
HK$9,147
baseline
▲ 0.50% · 4.625%
HK$9,703
+HK$556/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,294/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$9,575
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,832
−HK$260/mo
Today · 4.125%
HK$10,092
baseline
▲ 0.50% · 4.625%
HK$10,624
+HK$532/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,184/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$10,328
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,649
−HK$327/mo
Today · 4.125%
HK$10,976
baseline
▲ 0.50% · 4.625%
HK$11,644
+HK$668/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,952/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$11,490
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,798
−HK$313/mo
Today · 4.125%
HK$12,111
baseline
▲ 0.50% · 4.625%
HK$12,749
+HK$638/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,222/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$12,050
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,424
−HK$381/mo
Today · 4.125%
HK$12,805
baseline
▲ 0.50% · 4.625%
HK$13,584
+HK$779/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,610/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$13,405
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,765
−HK$364/mo
Today · 4.125%
HK$14,129
baseline
▲ 0.50% · 4.625%
HK$14,874
+HK$745/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,258/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$15,492
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,974
−HK$490/mo
Today · 4.125%
HK$16,464
baseline
▲ 0.50% · 4.625%
HK$17,466
+HK$1,002/mo
Deposit HK$377K · loan HK$3.40M · min. income ≈ HK$32,928/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$17,235
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,697
−HK$469/mo
Today · 4.125%
HK$18,166
baseline
▲ 0.50% · 4.625%
HK$19,124
+HK$958/mo
Deposit HK$377K · loan HK$3.40M · min. income ≈ HK$36,332/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).