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$8,614
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,881
−HK$273/mo
Today · 4.125%
HK$9,154
baseline
▲ 0.50% · 4.625%
HK$9,711
+HK$557/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,308/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$9,582
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,839
−HK$261/mo
Today · 4.125%
HK$10,100
baseline
▲ 0.50% · 4.625%
HK$10,633
+HK$533/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,200/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$10,336
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,658
−HK$326/mo
Today · 4.125%
HK$10,984
baseline
▲ 0.50% · 4.625%
HK$11,653
+HK$669/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$21,968/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$11,499
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,807
−HK$313/mo
Today · 4.125%
HK$12,120
baseline
▲ 0.50% · 4.625%
HK$12,759
+HK$639/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,240/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$12,059
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,434
−HK$381/mo
Today · 4.125%
HK$12,815
baseline
▲ 0.50% · 4.625%
HK$13,595
+HK$780/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,630/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$13,415
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,775
−HK$365/mo
Today · 4.125%
HK$14,140
baseline
▲ 0.50% · 4.625%
HK$14,886
+HK$746/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,280/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$15,504
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,987
−HK$490/mo
Today · 4.125%
HK$16,477
baseline
▲ 0.50% · 4.625%
HK$17,479
+HK$1,002/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$32,954/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$17,248
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,711
−HK$469/mo
Today · 4.125%
HK$18,180
baseline
▲ 0.50% · 4.625%
HK$19,139
+HK$959/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$36,360/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).