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$8,634
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,902
−HK$273/mo
Today · 4.125%
HK$9,175
baseline
▲ 0.50% · 4.625%
HK$9,733
+HK$558/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,350/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$9,605
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,862
−HK$262/mo
Today · 4.125%
HK$10,124
baseline
▲ 0.50% · 4.625%
HK$10,657
+HK$533/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,248/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$10,360
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,683
−HK$327/mo
Today · 4.125%
HK$11,010
baseline
▲ 0.50% · 4.625%
HK$11,680
+HK$670/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$22,020/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$11,526
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,835
−HK$313/mo
Today · 4.125%
HK$12,148
baseline
▲ 0.50% · 4.625%
HK$12,789
+HK$641/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,296/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$12,087
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,463
−HK$382/mo
Today · 4.125%
HK$12,845
baseline
▲ 0.50% · 4.625%
HK$13,627
+HK$782/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$25,690/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$13,447
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,807
−HK$366/mo
Today · 4.125%
HK$14,173
baseline
▲ 0.50% · 4.625%
HK$14,920
+HK$747/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$28,346/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$15,540
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,024
−HK$491/mo
Today · 4.125%
HK$16,515
baseline
▲ 0.50% · 4.625%
HK$17,520
+HK$1,005/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$33,030/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$17,289
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,752
−HK$471/mo
Today · 4.125%
HK$18,223
baseline
▲ 0.50% · 4.625%
HK$19,183
+HK$960/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$36,446/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).