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$8,617
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,885
−HK$272/mo
Today · 4.125%
HK$9,157
baseline
▲ 0.50% · 4.625%
HK$9,714
+HK$557/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,314/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$9,586
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,843
−HK$261/mo
Today · 4.125%
HK$10,104
baseline
▲ 0.50% · 4.625%
HK$10,636
+HK$532/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,208/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$10,340
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,662
−HK$326/mo
Today · 4.125%
HK$10,988
baseline
▲ 0.50% · 4.625%
HK$11,657
+HK$669/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$21,976/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$11,503
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,812
−HK$313/mo
Today · 4.125%
HK$12,125
baseline
▲ 0.50% · 4.625%
HK$12,764
+HK$639/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,250/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$12,063
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,439
−HK$381/mo
Today · 4.125%
HK$12,820
baseline
▲ 0.50% · 4.625%
HK$13,600
+HK$780/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$25,640/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$13,420
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,780
−HK$365/mo
Today · 4.125%
HK$14,145
baseline
▲ 0.50% · 4.625%
HK$14,891
+HK$746/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$28,290/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$15,510
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,992
−HK$491/mo
Today · 4.125%
HK$16,483
baseline
▲ 0.50% · 4.625%
HK$17,485
+HK$1,002/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$32,966/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$17,255
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,717
−HK$470/mo
Today · 4.125%
HK$18,187
baseline
▲ 0.50% · 4.625%
HK$19,146
+HK$959/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$36,374/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).