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$8,630
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,899
−HK$273/mo
Today · 4.125%
HK$9,172
baseline
▲ 0.50% · 4.625%
HK$9,730
+HK$558/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,344/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$9,601
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,859
−HK$261/mo
Today · 4.125%
HK$10,120
baseline
▲ 0.50% · 4.625%
HK$10,653
+HK$533/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,240/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$10,356
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,679
−HK$327/mo
Today · 4.125%
HK$11,006
baseline
▲ 0.50% · 4.625%
HK$11,676
+HK$670/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$22,012/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$11,521
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,830
−HK$314/mo
Today · 4.125%
HK$12,144
baseline
▲ 0.50% · 4.625%
HK$12,784
+HK$640/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,288/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$12,082
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,458
−HK$382/mo
Today · 4.125%
HK$12,840
baseline
▲ 0.50% · 4.625%
HK$13,621
+HK$781/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$25,680/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$13,442
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,802
−HK$366/mo
Today · 4.125%
HK$14,168
baseline
▲ 0.50% · 4.625%
HK$14,915
+HK$747/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$28,336/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$15,535
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,018
−HK$491/mo
Today · 4.125%
HK$16,509
baseline
▲ 0.50% · 4.625%
HK$17,513
+HK$1,004/mo
Deposit HK$378K · loan HK$3.41M · min. income ≈ HK$33,018/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$17,282
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,746
−HK$470/mo
Today · 4.125%
HK$18,216
baseline
▲ 0.50% · 4.625%
HK$19,176
+HK$960/mo
Deposit HK$378K · loan HK$3.41M · min. income ≈ HK$36,432/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).