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$8,597
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,864
−HK$272/mo
Today · 4.125%
HK$9,136
baseline
▲ 0.50% · 4.625%
HK$9,692
+HK$556/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,272/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$9,564
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,820
−HK$261/mo
Today · 4.125%
HK$10,081
baseline
▲ 0.50% · 4.625%
HK$10,612
+HK$531/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,162/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$10,316
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,637
−HK$326/mo
Today · 4.125%
HK$10,963
baseline
▲ 0.50% · 4.625%
HK$11,630
+HK$667/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,926/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$11,477
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,784
−HK$313/mo
Today · 4.125%
HK$12,097
baseline
▲ 0.50% · 4.625%
HK$12,734
+HK$637/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,194/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$12,035
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,410
−HK$380/mo
Today · 4.125%
HK$12,790
baseline
▲ 0.50% · 4.625%
HK$13,568
+HK$778/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,580/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$13,389
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,748
−HK$365/mo
Today · 4.125%
HK$14,113
baseline
▲ 0.50% · 4.625%
HK$14,857
+HK$744/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,226/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$15,474
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,956
−HK$489/mo
Today · 4.125%
HK$16,445
baseline
▲ 0.50% · 4.625%
HK$17,445
+HK$1,000/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$32,890/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$17,215
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,677
−HK$468/mo
Today · 4.125%
HK$18,145
baseline
▲ 0.50% · 4.625%
HK$19,101
+HK$956/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$36,290/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).