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$8,623
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,891
−HK$273/mo
Today · 4.125%
HK$9,164
baseline
▲ 0.50% · 4.625%
HK$9,722
+HK$558/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,328/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$9,593
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,851
−HK$261/mo
Today · 4.125%
HK$10,112
baseline
▲ 0.50% · 4.625%
HK$10,645
+HK$533/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,224/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$10,348
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,670
−HK$327/mo
Today · 4.125%
HK$10,997
baseline
▲ 0.50% · 4.625%
HK$11,666
+HK$669/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$21,994/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$11,512
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,821
−HK$313/mo
Today · 4.125%
HK$12,134
baseline
▲ 0.50% · 4.625%
HK$12,773
+HK$639/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,268/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$12,073
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,448
−HK$382/mo
Today · 4.125%
HK$12,830
baseline
▲ 0.50% · 4.625%
HK$13,610
+HK$780/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$25,660/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$13,431
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,791
−HK$365/mo
Today · 4.125%
HK$14,156
baseline
▲ 0.50% · 4.625%
HK$14,902
+HK$746/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$28,312/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$15,522
−HK$973/mo
▼ 0.25% · 3.875%
HK$16,005
−HK$490/mo
Today · 4.125%
HK$16,495
baseline
▲ 0.50% · 4.625%
HK$17,499
+HK$1,004/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$32,990/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$17,268
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,731
−HK$470/mo
Today · 4.125%
HK$18,201
baseline
▲ 0.50% · 4.625%
HK$19,160
+HK$959/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$36,402/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).