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$8,601
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,868
−HK$272/mo
Today · 4.125%
HK$9,140
baseline
▲ 0.50% · 4.625%
HK$9,696
+HK$556/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,280/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$9,568
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,825
−HK$260/mo
Today · 4.125%
HK$10,085
baseline
▲ 0.50% · 4.625%
HK$10,617
+HK$532/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,170/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$10,321
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,642
−HK$326/mo
Today · 4.125%
HK$10,968
baseline
▲ 0.50% · 4.625%
HK$11,636
+HK$668/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,936/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$11,482
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,790
−HK$312/mo
Today · 4.125%
HK$12,102
baseline
▲ 0.50% · 4.625%
HK$12,740
+HK$638/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,204/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$12,041
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,416
−HK$380/mo
Today · 4.125%
HK$12,796
baseline
▲ 0.50% · 4.625%
HK$13,575
+HK$779/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,592/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$13,396
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,755
−HK$364/mo
Today · 4.125%
HK$14,119
baseline
▲ 0.50% · 4.625%
HK$14,864
+HK$745/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,238/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$15,482
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,963
−HK$489/mo
Today · 4.125%
HK$16,452
baseline
▲ 0.50% · 4.625%
HK$17,453
+HK$1,001/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$32,904/mo (50% DSR)
Upfront cash ≈ HK$377K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,223
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,685
−HK$469/mo
Today · 4.125%
HK$18,154
baseline
▲ 0.50% · 4.625%
HK$19,110
+HK$956/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$36,308/mo (50% DSR)
Upfront cash ≈ HK$377K (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).