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$8,618
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,886
−HK$273/mo
Today · 4.125%
HK$9,159
baseline
▲ 0.50% · 4.625%
HK$9,716
+HK$557/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,318/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$9,588
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,845
−HK$261/mo
Today · 4.125%
HK$10,106
baseline
▲ 0.50% · 4.625%
HK$10,638
+HK$532/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,212/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$10,342
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,664
−HK$326/mo
Today · 4.125%
HK$10,990
baseline
▲ 0.50% · 4.625%
HK$11,659
+HK$669/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$21,980/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$11,505
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,814
−HK$313/mo
Today · 4.125%
HK$12,127
baseline
▲ 0.50% · 4.625%
HK$12,766
+HK$639/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,254/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$12,066
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,441
−HK$381/mo
Today · 4.125%
HK$12,822
baseline
▲ 0.50% · 4.625%
HK$13,602
+HK$780/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$25,644/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$13,423
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,783
−HK$365/mo
Today · 4.125%
HK$14,148
baseline
▲ 0.50% · 4.625%
HK$14,894
+HK$746/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$28,296/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$15,513
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,995
−HK$491/mo
Today · 4.125%
HK$16,486
baseline
▲ 0.50% · 4.625%
HK$17,489
+HK$1,003/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$32,972/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$17,258
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,721
−HK$469/mo
Today · 4.125%
HK$18,190
baseline
▲ 0.50% · 4.625%
HK$19,149
+HK$959/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$36,380/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).