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$8,624
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,893
−HK$272/mo
Today · 4.125%
HK$9,165
baseline
▲ 0.50% · 4.625%
HK$9,723
+HK$558/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,330/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$9,595
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,852
−HK$261/mo
Today · 4.125%
HK$10,113
baseline
▲ 0.50% · 4.625%
HK$10,646
+HK$533/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,226/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$10,349
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,671
−HK$327/mo
Today · 4.125%
HK$10,998
baseline
▲ 0.50% · 4.625%
HK$11,668
+HK$670/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$21,996/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$11,513
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,822
−HK$314/mo
Today · 4.125%
HK$12,136
baseline
▲ 0.50% · 4.625%
HK$12,775
+HK$639/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,272/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$12,074
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,450
−HK$381/mo
Today · 4.125%
HK$12,831
baseline
▲ 0.50% · 4.625%
HK$13,612
+HK$781/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$25,662/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$13,432
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,793
−HK$365/mo
Today · 4.125%
HK$14,158
baseline
▲ 0.50% · 4.625%
HK$14,904
+HK$746/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$28,316/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$15,524
−HK$973/mo
▼ 0.25% · 3.875%
HK$16,007
−HK$490/mo
Today · 4.125%
HK$16,497
baseline
▲ 0.50% · 4.625%
HK$17,501
+HK$1,004/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$32,994/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$17,270
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,733
−HK$470/mo
Today · 4.125%
HK$18,203
baseline
▲ 0.50% · 4.625%
HK$19,163
+HK$960/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$36,406/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).