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$8,614
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,882
−HK$273/mo
Today · 4.125%
HK$9,155
baseline
▲ 0.50% · 4.625%
HK$9,712
+HK$557/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,310/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$9,583
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,840
−HK$261/mo
Today · 4.125%
HK$10,101
baseline
▲ 0.50% · 4.625%
HK$10,634
+HK$533/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,202/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$10,337
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,659
−HK$327/mo
Today · 4.125%
HK$10,986
baseline
▲ 0.50% · 4.625%
HK$11,654
+HK$668/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$21,972/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$11,500
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,809
−HK$312/mo
Today · 4.125%
HK$12,121
baseline
▲ 0.50% · 4.625%
HK$12,760
+HK$639/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,242/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$12,060
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,435
−HK$381/mo
Today · 4.125%
HK$12,816
baseline
▲ 0.50% · 4.625%
HK$13,596
+HK$780/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,632/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$13,417
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,777
−HK$365/mo
Today · 4.125%
HK$14,142
baseline
▲ 0.50% · 4.625%
HK$14,887
+HK$745/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,284/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$15,506
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,988
−HK$490/mo
Today · 4.125%
HK$16,478
baseline
▲ 0.50% · 4.625%
HK$17,481
+HK$1,003/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$32,956/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$17,250
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,713
−HK$469/mo
Today · 4.125%
HK$18,182
baseline
▲ 0.50% · 4.625%
HK$19,141
+HK$959/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$36,364/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).