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$8,598
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,866
−HK$272/mo
Today · 4.125%
HK$9,138
baseline
▲ 0.50% · 4.625%
HK$9,694
+HK$556/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,276/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$9,566
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,822
−HK$260/mo
Today · 4.125%
HK$10,082
baseline
▲ 0.50% · 4.625%
HK$10,614
+HK$532/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,164/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$10,318
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,639
−HK$326/mo
Today · 4.125%
HK$10,965
baseline
▲ 0.50% · 4.625%
HK$11,632
+HK$667/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,930/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$11,479
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,787
−HK$312/mo
Today · 4.125%
HK$12,099
baseline
▲ 0.50% · 4.625%
HK$12,737
+HK$638/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,198/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$12,038
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,412
−HK$381/mo
Today · 4.125%
HK$12,793
baseline
▲ 0.50% · 4.625%
HK$13,571
+HK$778/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,586/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$13,392
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,751
−HK$364/mo
Today · 4.125%
HK$14,115
baseline
▲ 0.50% · 4.625%
HK$14,860
+HK$745/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,230/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$15,477
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,959
−HK$489/mo
Today · 4.125%
HK$16,448
baseline
▲ 0.50% · 4.625%
HK$17,449
+HK$1,001/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$32,896/mo (50% DSR)
Upfront cash ≈ HK$377K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,218
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,680
−HK$468/mo
Today · 4.125%
HK$18,148
baseline
▲ 0.50% · 4.625%
HK$19,105
+HK$957/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$36,296/mo (50% DSR)
Upfront cash ≈ HK$377K (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).