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$8,602
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,869
−HK$272/mo
Today · 4.125%
HK$9,141
baseline
▲ 0.50% · 4.625%
HK$9,698
+HK$557/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$9,570
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,826
−HK$261/mo
Today · 4.125%
HK$10,087
baseline
▲ 0.50% · 4.625%
HK$10,618
+HK$531/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,174/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$648/mo
▼ 0.25% · 3.875%
HK$10,643
−HK$327/mo
Today · 4.125%
HK$10,970
baseline
▲ 0.50% · 4.625%
HK$11,637
+HK$667/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,940/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$621/mo
▼ 0.25% · 3.875%
HK$11,791
−HK$313/mo
Today · 4.125%
HK$12,104
baseline
▲ 0.50% · 4.625%
HK$12,742
+HK$638/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,208/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$12,043
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,417
−HK$381/mo
Today · 4.125%
HK$12,798
baseline
▲ 0.50% · 4.625%
HK$13,577
+HK$779/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,596/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$724/mo
▼ 0.25% · 3.875%
HK$13,757
−HK$364/mo
Today · 4.125%
HK$14,121
baseline
▲ 0.50% · 4.625%
HK$14,865
+HK$744/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,242/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$15,965
−HK$489/mo
Today · 4.125%
HK$16,454
baseline
▲ 0.50% · 4.625%
HK$17,456
+HK$1,002/mo
Deposit HK$377K · loan HK$3.40M · 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$17,225
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,687
−HK$469/mo
Today · 4.125%
HK$18,156
baseline
▲ 0.50% · 4.625%
HK$19,113
+HK$957/mo
Deposit HK$377K · loan HK$3.40M · min. income ≈ HK$36,312/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).