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$540/mo
▼ 0.25% · 3.875%
HK$8,869
−HK$272/mo
Today · 4.125%
HK$9,141
baseline
▲ 0.50% · 4.625%
HK$9,697
+HK$556/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,282/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$9,569
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,826
−HK$260/mo
Today · 4.125%
HK$10,086
baseline
▲ 0.50% · 4.625%
HK$10,618
+HK$532/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,172/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$10,322
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,643
−HK$326/mo
Today · 4.125%
HK$10,969
baseline
▲ 0.50% · 4.625%
HK$11,636
+HK$667/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,938/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$11,483
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,791
−HK$312/mo
Today · 4.125%
HK$12,103
baseline
▲ 0.50% · 4.625%
HK$12,741
+HK$638/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,206/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$12,042
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,417
−HK$380/mo
Today · 4.125%
HK$12,797
baseline
▲ 0.50% · 4.625%
HK$13,576
+HK$779/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,594/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$13,397
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,756
−HK$364/mo
Today · 4.125%
HK$14,120
baseline
▲ 0.50% · 4.625%
HK$14,865
+HK$745/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,240/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$15,483
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,964
−HK$490/mo
Today · 4.125%
HK$16,454
baseline
▲ 0.50% · 4.625%
HK$17,455
+HK$1,001/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$32,908/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$17,224
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,686
−HK$469/mo
Today · 4.125%
HK$18,155
baseline
▲ 0.50% · 4.625%
HK$19,112
+HK$957/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$36,310/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).