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$8,894
−HK$272/mo
Today · 4.125%
HK$9,166
baseline
▲ 0.50% · 4.625%
HK$9,724
+HK$558/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$9,596
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,853
−HK$261/mo
Today · 4.125%
HK$10,114
baseline
▲ 0.50% · 4.625%
HK$10,647
+HK$533/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,228/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$10,351
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,672
−HK$328/mo
Today · 4.125%
HK$11,000
baseline
▲ 0.50% · 4.625%
HK$11,669
+HK$669/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$22,000/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$11,515
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,824
−HK$313/mo
Today · 4.125%
HK$12,137
baseline
▲ 0.50% · 4.625%
HK$12,777
+HK$640/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,274/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$12,076
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,451
−HK$382/mo
Today · 4.125%
HK$12,833
baseline
▲ 0.50% · 4.625%
HK$13,614
+HK$781/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$25,666/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$13,434
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,794
−HK$366/mo
Today · 4.125%
HK$14,160
baseline
▲ 0.50% · 4.625%
HK$14,906
+HK$746/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$28,320/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$15,526
−HK$973/mo
▼ 0.25% · 3.875%
HK$16,009
−HK$490/mo
Today · 4.125%
HK$16,499
baseline
▲ 0.50% · 4.625%
HK$17,503
+HK$1,004/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$32,998/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$17,272
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,736
−HK$469/mo
Today · 4.125%
HK$18,205
baseline
▲ 0.50% · 4.625%
HK$19,165
+HK$960/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$36,410/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).