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$8,640
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,909
−HK$273/mo
Today · 4.125%
HK$9,182
baseline
▲ 0.50% · 4.625%
HK$9,741
+HK$559/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,364/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$9,612
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,870
−HK$262/mo
Today · 4.125%
HK$10,132
baseline
▲ 0.50% · 4.625%
HK$10,666
+HK$534/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,264/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$10,369
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,691
−HK$328/mo
Today · 4.125%
HK$11,019
baseline
▲ 0.50% · 4.625%
HK$11,689
+HK$670/mo
Deposit HK$1.52M · loan HK$2.27M · min. income ≈ HK$22,038/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$11,535
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,844
−HK$314/mo
Today · 4.125%
HK$12,158
baseline
▲ 0.50% · 4.625%
HK$12,799
+HK$641/mo
Deposit HK$1.52M · loan HK$2.27M · min. income ≈ HK$24,316/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$12,097
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,473
−HK$382/mo
Today · 4.125%
HK$12,855
baseline
▲ 0.50% · 4.625%
HK$13,637
+HK$782/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$25,710/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$13,457
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,818
−HK$367/mo
Today · 4.125%
HK$14,185
baseline
▲ 0.50% · 4.625%
HK$14,932
+HK$747/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$28,370/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$15,553
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,037
−HK$491/mo
Today · 4.125%
HK$16,528
baseline
▲ 0.50% · 4.625%
HK$17,534
+HK$1,006/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$33,056/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$17,302
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,766
−HK$471/mo
Today · 4.125%
HK$18,237
baseline
▲ 0.50% · 4.625%
HK$19,199
+HK$962/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$36,474/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).