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$8,622
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,891
−HK$272/mo
Today · 4.125%
HK$9,163
baseline
▲ 0.50% · 4.625%
HK$9,721
+HK$558/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,326/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$9,592
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,850
−HK$261/mo
Today · 4.125%
HK$10,111
baseline
▲ 0.50% · 4.625%
HK$10,643
+HK$532/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,222/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$10,347
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,669
−HK$327/mo
Today · 4.125%
HK$10,996
baseline
▲ 0.50% · 4.625%
HK$11,665
+HK$669/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$21,992/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$11,511
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,819
−HK$314/mo
Today · 4.125%
HK$12,133
baseline
▲ 0.50% · 4.625%
HK$12,772
+HK$639/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,266/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$12,071
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,447
−HK$381/mo
Today · 4.125%
HK$12,828
baseline
▲ 0.50% · 4.625%
HK$13,609
+HK$781/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$25,656/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$13,429
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,789
−HK$366/mo
Today · 4.125%
HK$14,155
baseline
▲ 0.50% · 4.625%
HK$14,901
+HK$746/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$28,310/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$15,520
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,003
−HK$491/mo
Today · 4.125%
HK$16,494
baseline
▲ 0.50% · 4.625%
HK$17,497
+HK$1,003/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$32,988/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$17,266
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,729
−HK$470/mo
Today · 4.125%
HK$18,199
baseline
▲ 0.50% · 4.625%
HK$19,158
+HK$959/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$36,398/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).