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$539/mo
▼ 0.25% · 3.875%
HK$8,865
−HK$272/mo
Today · 4.125%
HK$9,137
baseline
▲ 0.50% · 4.625%
HK$9,693
+HK$556/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,274/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$9,565
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,821
−HK$260/mo
Today · 4.125%
HK$10,081
baseline
▲ 0.50% · 4.625%
HK$10,613
+HK$532/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,162/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$10,317
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,638
−HK$326/mo
Today · 4.125%
HK$10,964
baseline
▲ 0.50% · 4.625%
HK$11,631
+HK$667/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,928/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$11,478
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,785
−HK$313/mo
Today · 4.125%
HK$12,098
baseline
▲ 0.50% · 4.625%
HK$12,735
+HK$637/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,196/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$12,037
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,411
−HK$380/mo
Today · 4.125%
HK$12,791
baseline
▲ 0.50% · 4.625%
HK$13,570
+HK$779/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,582/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$13,391
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,750
−HK$364/mo
Today · 4.125%
HK$14,114
baseline
▲ 0.50% · 4.625%
HK$14,858
+HK$744/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,228/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$15,476
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,957
−HK$489/mo
Today · 4.125%
HK$16,446
baseline
▲ 0.50% · 4.625%
HK$17,447
+HK$1,001/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$32,892/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$17,216
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,678
−HK$469/mo
Today · 4.125%
HK$18,147
baseline
▲ 0.50% · 4.625%
HK$19,103
+HK$956/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$36,294/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).