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$8,612
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,880
−HK$272/mo
Today · 4.125%
HK$9,152
baseline
▲ 0.50% · 4.625%
HK$9,709
+HK$557/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,304/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$9,581
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,838
−HK$261/mo
Today · 4.125%
HK$10,099
baseline
▲ 0.50% · 4.625%
HK$10,631
+HK$532/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,198/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$10,335
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,656
−HK$327/mo
Today · 4.125%
HK$10,983
baseline
▲ 0.50% · 4.625%
HK$11,651
+HK$668/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$21,966/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$11,497
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,806
−HK$312/mo
Today · 4.125%
HK$12,118
baseline
▲ 0.50% · 4.625%
HK$12,757
+HK$639/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,236/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$12,057
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,432
−HK$381/mo
Today · 4.125%
HK$12,813
baseline
▲ 0.50% · 4.625%
HK$13,593
+HK$780/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,626/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$13,413
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,773
−HK$365/mo
Today · 4.125%
HK$14,138
baseline
▲ 0.50% · 4.625%
HK$14,883
+HK$745/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,276/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$15,502
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,984
−HK$490/mo
Today · 4.125%
HK$16,474
baseline
▲ 0.50% · 4.625%
HK$17,477
+HK$1,003/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$32,948/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$17,246
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,708
−HK$470/mo
Today · 4.125%
HK$18,178
baseline
▲ 0.50% · 4.625%
HK$19,136
+HK$958/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$36,356/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).