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$8,604
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,871
−HK$272/mo
Today · 4.125%
HK$9,143
baseline
▲ 0.50% · 4.625%
HK$9,700
+HK$557/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,286/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$9,571
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,828
−HK$261/mo
Today · 4.125%
HK$10,089
baseline
▲ 0.50% · 4.625%
HK$10,620
+HK$531/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,178/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$10,324
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,646
−HK$326/mo
Today · 4.125%
HK$10,972
baseline
▲ 0.50% · 4.625%
HK$11,639
+HK$667/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,944/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$11,486
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,794
−HK$312/mo
Today · 4.125%
HK$12,106
baseline
▲ 0.50% · 4.625%
HK$12,744
+HK$638/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,212/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$12,045
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,420
−HK$380/mo
Today · 4.125%
HK$12,800
baseline
▲ 0.50% · 4.625%
HK$13,579
+HK$779/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,600/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$13,400
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,759
−HK$365/mo
Today · 4.125%
HK$14,124
baseline
▲ 0.50% · 4.625%
HK$14,869
+HK$745/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,248/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$15,487
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,968
−HK$490/mo
Today · 4.125%
HK$16,458
baseline
▲ 0.50% · 4.625%
HK$17,459
+HK$1,001/mo
Deposit HK$377K · loan HK$3.40M · min. income ≈ HK$32,916/mo (50% DSR)
Upfront cash ≈ HK$377K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,229
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,691
−HK$468/mo
Today · 4.125%
HK$18,159
baseline
▲ 0.50% · 4.625%
HK$19,117
+HK$958/mo
Deposit HK$377K · loan HK$3.40M · min. income ≈ HK$36,318/mo (50% DSR)
Upfront cash ≈ HK$377K (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).