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$8,631
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,899
−HK$273/mo
Today · 4.125%
HK$9,172
baseline
▲ 0.50% · 4.625%
HK$9,730
+HK$558/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,344/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$9,602
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,859
−HK$261/mo
Today · 4.125%
HK$10,120
baseline
▲ 0.50% · 4.625%
HK$10,654
+HK$534/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,240/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$10,357
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,679
−HK$327/mo
Today · 4.125%
HK$11,006
baseline
▲ 0.50% · 4.625%
HK$11,676
+HK$670/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$22,012/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$11,522
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,831
−HK$314/mo
Today · 4.125%
HK$12,145
baseline
▲ 0.50% · 4.625%
HK$12,785
+HK$640/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,290/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$12,083
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,459
−HK$382/mo
Today · 4.125%
HK$12,841
baseline
▲ 0.50% · 4.625%
HK$13,622
+HK$781/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$25,682/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,442
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,803
−HK$366/mo
Today · 4.125%
HK$14,169
baseline
▲ 0.50% · 4.625%
HK$14,916
+HK$747/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$28,338/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,536
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,019
−HK$491/mo
Today · 4.125%
HK$16,510
baseline
▲ 0.50% · 4.625%
HK$17,514
+HK$1,004/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$33,020/mo (50% DSR)
Upfront cash ≈ HK$379K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,283
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,747
−HK$470/mo
Today · 4.125%
HK$18,217
baseline
▲ 0.50% · 4.625%
HK$19,177
+HK$960/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$36,434/mo (50% DSR)
Upfront cash ≈ HK$379K (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).