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$8,638
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,907
−HK$273/mo
Today · 4.125%
HK$9,180
baseline
▲ 0.50% · 4.625%
HK$9,738
+HK$558/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,360/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$9,610
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,868
−HK$261/mo
Today · 4.125%
HK$10,129
baseline
▲ 0.50% · 4.625%
HK$10,663
+HK$534/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,258/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$10,366
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,688
−HK$328/mo
Today · 4.125%
HK$11,016
baseline
▲ 0.50% · 4.625%
HK$11,686
+HK$670/mo
Deposit HK$1.52M · loan HK$2.27M · min. income ≈ HK$22,032/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$11,532
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,841
−HK$314/mo
Today · 4.125%
HK$12,155
baseline
▲ 0.50% · 4.625%
HK$12,795
+HK$640/mo
Deposit HK$1.52M · loan HK$2.27M · min. income ≈ HK$24,310/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$12,093
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,470
−HK$382/mo
Today · 4.125%
HK$12,852
baseline
▲ 0.50% · 4.625%
HK$13,634
+HK$782/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$25,704/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$13,454
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,815
−HK$366/mo
Today · 4.125%
HK$14,181
baseline
▲ 0.50% · 4.625%
HK$14,928
+HK$747/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$28,362/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$15,549
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,032
−HK$492/mo
Today · 4.125%
HK$16,524
baseline
▲ 0.50% · 4.625%
HK$17,529
+HK$1,005/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$33,048/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$17,298
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,762
−HK$470/mo
Today · 4.125%
HK$18,232
baseline
▲ 0.50% · 4.625%
HK$19,193
+HK$961/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$36,464/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).