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$8,642
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,910
−HK$274/mo
Today · 4.125%
HK$9,184
baseline
▲ 0.50% · 4.625%
HK$9,742
+HK$558/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,368/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$9,614
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,872
−HK$261/mo
Today · 4.125%
HK$10,133
baseline
▲ 0.50% · 4.625%
HK$10,667
+HK$534/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,266/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$10,370
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,692
−HK$328/mo
Today · 4.125%
HK$11,020
baseline
▲ 0.50% · 4.625%
HK$11,691
+HK$671/mo
Deposit HK$1.52M · loan HK$2.27M · min. income ≈ HK$22,040/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,536
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,846
−HK$314/mo
Today · 4.125%
HK$12,160
baseline
▲ 0.50% · 4.625%
HK$12,801
+HK$641/mo
Deposit HK$1.52M · loan HK$2.27M · min. income ≈ HK$24,320/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,098
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,475
−HK$382/mo
Today · 4.125%
HK$12,857
baseline
▲ 0.50% · 4.625%
HK$13,639
+HK$782/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$25,714/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$13,459
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,820
−HK$366/mo
Today · 4.125%
HK$14,186
baseline
▲ 0.50% · 4.625%
HK$14,934
+HK$748/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$28,372/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$15,555
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,039
−HK$491/mo
Today · 4.125%
HK$16,530
baseline
▲ 0.50% · 4.625%
HK$17,536
+HK$1,006/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$33,060/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$17,305
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,769
−HK$471/mo
Today · 4.125%
HK$18,240
baseline
▲ 0.50% · 4.625%
HK$19,201
+HK$961/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$36,480/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).