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$8,616
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,884
−HK$272/mo
Today · 4.125%
HK$9,156
baseline
▲ 0.50% · 4.625%
HK$9,714
+HK$558/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,312/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$9,585
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,842
−HK$261/mo
Today · 4.125%
HK$10,103
baseline
▲ 0.50% · 4.625%
HK$10,636
+HK$533/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,206/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$10,339
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,661
−HK$327/mo
Today · 4.125%
HK$10,988
baseline
▲ 0.50% · 4.625%
HK$11,656
+HK$668/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$11,502
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,811
−HK$313/mo
Today · 4.125%
HK$12,124
baseline
▲ 0.50% · 4.625%
HK$12,763
+HK$639/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,248/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$756/mo
▼ 0.25% · 3.875%
HK$12,438
−HK$381/mo
Today · 4.125%
HK$12,819
baseline
▲ 0.50% · 4.625%
HK$13,599
+HK$780/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$25,638/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$13,419
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,779
−HK$366/mo
Today · 4.125%
HK$14,145
baseline
▲ 0.50% · 4.625%
HK$14,890
+HK$745/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$15,509
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,991
−HK$491/mo
Today · 4.125%
HK$16,482
baseline
▲ 0.50% · 4.625%
HK$17,484
+HK$1,002/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$32,964/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$17,254
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,716
−HK$470/mo
Today · 4.125%
HK$18,186
baseline
▲ 0.50% · 4.625%
HK$19,144
+HK$958/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$36,372/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).