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$8,613
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,880
−HK$273/mo
Today · 4.125%
HK$9,153
baseline
▲ 0.50% · 4.625%
HK$9,710
+HK$557/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,306/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$9,581
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,838
−HK$261/mo
Today · 4.125%
HK$10,099
baseline
▲ 0.50% · 4.625%
HK$10,631
+HK$532/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,198/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$10,335
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,657
−HK$326/mo
Today · 4.125%
HK$10,983
baseline
▲ 0.50% · 4.625%
HK$11,651
+HK$668/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$21,966/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$11,498
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,806
−HK$313/mo
Today · 4.125%
HK$12,119
baseline
▲ 0.50% · 4.625%
HK$12,758
+HK$639/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,238/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$12,058
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,433
−HK$381/mo
Today · 4.125%
HK$12,814
baseline
▲ 0.50% · 4.625%
HK$13,593
+HK$779/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,628/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$13,414
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,774
−HK$365/mo
Today · 4.125%
HK$14,139
baseline
▲ 0.50% · 4.625%
HK$14,884
+HK$745/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,278/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$15,503
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,985
−HK$490/mo
Today · 4.125%
HK$16,475
baseline
▲ 0.50% · 4.625%
HK$17,477
+HK$1,002/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$32,950/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$17,246
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,709
−HK$469/mo
Today · 4.125%
HK$18,178
baseline
▲ 0.50% · 4.625%
HK$19,136
+HK$958/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$36,356/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).