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$8,641
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,910
−HK$273/mo
Today · 4.125%
HK$9,183
baseline
▲ 0.50% · 4.625%
HK$9,742
+HK$559/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,366/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$9,613
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,871
−HK$261/mo
Today · 4.125%
HK$10,132
baseline
▲ 0.50% · 4.625%
HK$10,667
+HK$535/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,264/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$10,369
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,692
−HK$328/mo
Today · 4.125%
HK$11,020
baseline
▲ 0.50% · 4.625%
HK$11,690
+HK$670/mo
Deposit HK$1.52M · loan HK$2.27M · min. income ≈ HK$22,040/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$11,536
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,845
−HK$314/mo
Today · 4.125%
HK$12,159
baseline
▲ 0.50% · 4.625%
HK$12,800
+HK$641/mo
Deposit HK$1.52M · loan HK$2.27M · min. income ≈ HK$24,318/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$12,097
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,474
−HK$382/mo
Today · 4.125%
HK$12,856
baseline
▲ 0.50% · 4.625%
HK$13,638
+HK$782/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$25,712/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$13,458
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,819
−HK$366/mo
Today · 4.125%
HK$14,185
baseline
▲ 0.50% · 4.625%
HK$14,933
+HK$748/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$28,370/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$15,554
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,038
−HK$491/mo
Today · 4.125%
HK$16,529
baseline
▲ 0.50% · 4.625%
HK$17,535
+HK$1,006/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$33,058/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$17,304
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,768
−HK$470/mo
Today · 4.125%
HK$18,238
baseline
▲ 0.50% · 4.625%
HK$19,200
+HK$962/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$36,476/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).