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$8,632
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,901
−HK$273/mo
Today · 4.125%
HK$9,174
baseline
▲ 0.50% · 4.625%
HK$9,732
+HK$558/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,348/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$9,603
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,861
−HK$261/mo
Today · 4.125%
HK$10,122
baseline
▲ 0.50% · 4.625%
HK$10,656
+HK$534/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,244/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$10,359
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,681
−HK$327/mo
Today · 4.125%
HK$11,008
baseline
▲ 0.50% · 4.625%
HK$11,678
+HK$670/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$22,016/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$11,524
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,833
−HK$314/mo
Today · 4.125%
HK$12,147
baseline
▲ 0.50% · 4.625%
HK$12,787
+HK$640/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,294/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$12,085
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,461
−HK$382/mo
Today · 4.125%
HK$12,843
baseline
▲ 0.50% · 4.625%
HK$13,625
+HK$782/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$25,686/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$13,445
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,805
−HK$366/mo
Today · 4.125%
HK$14,171
baseline
▲ 0.50% · 4.625%
HK$14,918
+HK$747/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$28,342/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$15,538
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,022
−HK$491/mo
Today · 4.125%
HK$16,513
baseline
▲ 0.50% · 4.625%
HK$17,517
+HK$1,004/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$33,026/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$17,286
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,750
−HK$470/mo
Today · 4.125%
HK$18,220
baseline
▲ 0.50% · 4.625%
HK$19,181
+HK$961/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$36,440/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).