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$8,605
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,873
−HK$272/mo
Today · 4.125%
HK$9,145
baseline
▲ 0.50% · 4.625%
HK$9,701
+HK$556/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,290/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$9,573
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,830
−HK$261/mo
Today · 4.125%
HK$10,091
baseline
▲ 0.50% · 4.625%
HK$10,622
+HK$531/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,182/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$10,326
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,648
−HK$326/mo
Today · 4.125%
HK$10,974
baseline
▲ 0.50% · 4.625%
HK$11,642
+HK$668/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,948/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$11,488
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,796
−HK$313/mo
Today · 4.125%
HK$12,109
baseline
▲ 0.50% · 4.625%
HK$12,747
+HK$638/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,218/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$12,047
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,422
−HK$381/mo
Today · 4.125%
HK$12,803
baseline
▲ 0.50% · 4.625%
HK$13,582
+HK$779/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,606/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$13,403
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,762
−HK$365/mo
Today · 4.125%
HK$14,127
baseline
▲ 0.50% · 4.625%
HK$14,871
+HK$744/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,254/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$15,490
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,971
−HK$490/mo
Today · 4.125%
HK$16,461
baseline
▲ 0.50% · 4.625%
HK$17,463
+HK$1,002/mo
Deposit HK$377K · loan HK$3.40M · min. income ≈ HK$32,922/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$17,232
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,694
−HK$469/mo
Today · 4.125%
HK$18,163
baseline
▲ 0.50% · 4.625%
HK$19,120
+HK$957/mo
Deposit HK$377K · loan HK$3.40M · min. income ≈ HK$36,326/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).