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$8,638
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,906
−HK$273/mo
Today · 4.125%
HK$9,179
baseline
▲ 0.50% · 4.625%
HK$9,738
+HK$559/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,358/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$9,609
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,867
−HK$262/mo
Today · 4.125%
HK$10,129
baseline
▲ 0.50% · 4.625%
HK$10,662
+HK$533/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,258/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$10,365
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,688
−HK$327/mo
Today · 4.125%
HK$11,015
baseline
▲ 0.50% · 4.625%
HK$11,685
+HK$670/mo
Deposit HK$1.52M · loan HK$2.27M · min. income ≈ HK$22,030/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$11,531
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,840
−HK$314/mo
Today · 4.125%
HK$12,154
baseline
▲ 0.50% · 4.625%
HK$12,795
+HK$641/mo
Deposit HK$1.52M · loan HK$2.27M · min. income ≈ HK$24,308/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$12,093
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,469
−HK$382/mo
Today · 4.125%
HK$12,851
baseline
▲ 0.50% · 4.625%
HK$13,633
+HK$782/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$25,702/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$13,453
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,814
−HK$366/mo
Today · 4.125%
HK$14,180
baseline
▲ 0.50% · 4.625%
HK$14,927
+HK$747/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$28,360/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$15,548
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,031
−HK$492/mo
Today · 4.125%
HK$16,523
baseline
▲ 0.50% · 4.625%
HK$17,528
+HK$1,005/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$33,046/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$17,297
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,761
−HK$470/mo
Today · 4.125%
HK$18,231
baseline
▲ 0.50% · 4.625%
HK$19,192
+HK$961/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$36,462/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).