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$8,622
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,890
−HK$272/mo
Today · 4.125%
HK$9,162
baseline
▲ 0.50% · 4.625%
HK$9,720
+HK$558/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,324/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$9,592
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,849
−HK$261/mo
Today · 4.125%
HK$10,110
baseline
▲ 0.50% · 4.625%
HK$10,643
+HK$533/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,220/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$10,346
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,668
−HK$327/mo
Today · 4.125%
HK$10,995
baseline
▲ 0.50% · 4.625%
HK$11,664
+HK$669/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$21,990/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$11,510
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,819
−HK$313/mo
Today · 4.125%
HK$12,132
baseline
▲ 0.50% · 4.625%
HK$12,771
+HK$639/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,264/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$12,070
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,446
−HK$381/mo
Today · 4.125%
HK$12,827
baseline
▲ 0.50% · 4.625%
HK$13,608
+HK$781/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$25,654/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$13,428
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,788
−HK$366/mo
Today · 4.125%
HK$14,154
baseline
▲ 0.50% · 4.625%
HK$14,900
+HK$746/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$28,308/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$15,519
−HK$973/mo
▼ 0.25% · 3.875%
HK$16,002
−HK$490/mo
Today · 4.125%
HK$16,492
baseline
▲ 0.50% · 4.625%
HK$17,496
+HK$1,004/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$32,984/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$17,265
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,728
−HK$470/mo
Today · 4.125%
HK$18,198
baseline
▲ 0.50% · 4.625%
HK$19,157
+HK$959/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$36,396/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).