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$8,631
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,900
−HK$273/mo
Today · 4.125%
HK$9,173
baseline
▲ 0.50% · 4.625%
HK$9,731
+HK$558/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,346/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$9,602
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,860
−HK$261/mo
Today · 4.125%
HK$10,121
baseline
▲ 0.50% · 4.625%
HK$10,655
+HK$534/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,242/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$10,358
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,680
−HK$327/mo
Today · 4.125%
HK$11,007
baseline
▲ 0.50% · 4.625%
HK$11,677
+HK$670/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$22,014/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$11,523
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,832
−HK$313/mo
Today · 4.125%
HK$12,145
baseline
▲ 0.50% · 4.625%
HK$12,786
+HK$641/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,290/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$12,084
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,460
−HK$382/mo
Today · 4.125%
HK$12,842
baseline
▲ 0.50% · 4.625%
HK$13,623
+HK$781/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$25,684/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,443
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,804
−HK$366/mo
Today · 4.125%
HK$14,170
baseline
▲ 0.50% · 4.625%
HK$14,917
+HK$747/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$28,340/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,537
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,020
−HK$491/mo
Today · 4.125%
HK$16,511
baseline
▲ 0.50% · 4.625%
HK$17,516
+HK$1,005/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$33,022/mo (50% DSR)
Upfront cash ≈ HK$379K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,284
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,748
−HK$470/mo
Today · 4.125%
HK$18,218
baseline
▲ 0.50% · 4.625%
HK$19,178
+HK$960/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$36,436/mo (50% DSR)
Upfront cash ≈ HK$379K (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).