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$8,625
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,893
−HK$273/mo
Today · 4.125%
HK$9,166
baseline
▲ 0.50% · 4.625%
HK$9,723
+HK$557/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,332/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$10,350
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,672
−HK$327/mo
Today · 4.125%
HK$10,999
baseline
▲ 0.50% · 4.625%
HK$11,668
+HK$669/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$21,998/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$11,514
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,823
−HK$313/mo
Today · 4.125%
HK$12,136
baseline
▲ 0.50% · 4.625%
HK$12,776
+HK$640/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$12,075
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,450
−HK$382/mo
Today · 4.125%
HK$12,832
baseline
▲ 0.50% · 4.625%
HK$13,612
+HK$780/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$25,664/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$13,433
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,793
−HK$366/mo
Today · 4.125%
HK$14,159
baseline
▲ 0.50% · 4.625%
HK$14,905
+HK$746/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$28,318/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$974/mo
▼ 0.25% · 3.875%
HK$16,007
−HK$491/mo
Today · 4.125%
HK$16,498
baseline
▲ 0.50% · 4.625%
HK$17,502
+HK$1,004/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$32,996/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$17,271
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,734
−HK$470/mo
Today · 4.125%
HK$18,204
baseline
▲ 0.50% · 4.625%
HK$19,163
+HK$959/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$36,408/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).