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$8,629
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,897
−HK$273/mo
Today · 4.125%
HK$9,170
baseline
▲ 0.50% · 4.625%
HK$9,728
+HK$558/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,340/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$9,599
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,857
−HK$261/mo
Today · 4.125%
HK$10,118
baseline
▲ 0.50% · 4.625%
HK$10,651
+HK$533/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,236/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$10,355
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,677
−HK$327/mo
Today · 4.125%
HK$11,004
baseline
▲ 0.50% · 4.625%
HK$11,673
+HK$669/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$22,008/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$11,519
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,828
−HK$314/mo
Today · 4.125%
HK$12,142
baseline
▲ 0.50% · 4.625%
HK$12,782
+HK$640/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,284/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$12,080
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,456
−HK$382/mo
Today · 4.125%
HK$12,838
baseline
▲ 0.50% · 4.625%
HK$13,619
+HK$781/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$25,676/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$13,439
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,800
−HK$365/mo
Today · 4.125%
HK$14,165
baseline
▲ 0.50% · 4.625%
HK$14,912
+HK$747/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$28,330/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$15,532
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,015
−HK$491/mo
Today · 4.125%
HK$16,506
baseline
▲ 0.50% · 4.625%
HK$17,510
+HK$1,004/mo
Deposit HK$378K · loan HK$3.41M · min. income ≈ HK$33,012/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$17,279
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,742
−HK$470/mo
Today · 4.125%
HK$18,212
baseline
▲ 0.50% · 4.625%
HK$19,172
+HK$960/mo
Deposit HK$378K · loan HK$3.41M · min. income ≈ HK$36,424/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).