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$8,619
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,887
−HK$273/mo
Today · 4.125%
HK$9,160
baseline
▲ 0.50% · 4.625%
HK$9,717
+HK$557/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,320/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$9,589
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,846
−HK$261/mo
Today · 4.125%
HK$10,107
baseline
▲ 0.50% · 4.625%
HK$10,640
+HK$533/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,214/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$10,343
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,665
−HK$327/mo
Today · 4.125%
HK$10,992
baseline
▲ 0.50% · 4.625%
HK$11,661
+HK$669/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$21,984/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$11,507
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,815
−HK$313/mo
Today · 4.125%
HK$12,128
baseline
▲ 0.50% · 4.625%
HK$12,768
+HK$640/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,256/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$12,067
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,442
−HK$382/mo
Today · 4.125%
HK$12,824
baseline
▲ 0.50% · 4.625%
HK$13,604
+HK$780/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$25,648/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$13,424
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,784
−HK$366/mo
Today · 4.125%
HK$14,150
baseline
▲ 0.50% · 4.625%
HK$14,896
+HK$746/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$28,300/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$15,515
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,997
−HK$491/mo
Today · 4.125%
HK$16,488
baseline
▲ 0.50% · 4.625%
HK$17,491
+HK$1,003/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$32,976/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$17,260
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,723
−HK$469/mo
Today · 4.125%
HK$18,192
baseline
▲ 0.50% · 4.625%
HK$19,151
+HK$959/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$36,384/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).