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$8,614
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,882
−HK$272/mo
Today · 4.125%
HK$9,154
baseline
▲ 0.50% · 4.625%
HK$9,711
+HK$557/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,308/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$9,583
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,840
−HK$261/mo
Today · 4.125%
HK$10,101
baseline
▲ 0.50% · 4.625%
HK$10,633
+HK$532/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,202/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$10,337
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,658
−HK$327/mo
Today · 4.125%
HK$10,985
baseline
▲ 0.50% · 4.625%
HK$11,653
+HK$668/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$21,970/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$11,499
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,808
−HK$313/mo
Today · 4.125%
HK$12,121
baseline
▲ 0.50% · 4.625%
HK$12,760
+HK$639/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,242/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$12,059
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,434
−HK$382/mo
Today · 4.125%
HK$12,816
baseline
▲ 0.50% · 4.625%
HK$13,595
+HK$779/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,632/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$13,416
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,776
−HK$365/mo
Today · 4.125%
HK$14,141
baseline
▲ 0.50% · 4.625%
HK$14,886
+HK$745/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,282/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$15,505
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,987
−HK$490/mo
Today · 4.125%
HK$16,477
baseline
▲ 0.50% · 4.625%
HK$17,480
+HK$1,003/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$32,954/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$17,249
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,712
−HK$469/mo
Today · 4.125%
HK$18,181
baseline
▲ 0.50% · 4.625%
HK$19,139
+HK$958/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$36,362/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).