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$8,601
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,869
−HK$271/mo
Today · 4.125%
HK$9,140
baseline
▲ 0.50% · 4.625%
HK$9,697
+HK$557/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,280/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$9,569
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,825
−HK$261/mo
Today · 4.125%
HK$10,086
baseline
▲ 0.50% · 4.625%
HK$10,617
+HK$531/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,172/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$10,321
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,642
−HK$327/mo
Today · 4.125%
HK$10,969
baseline
▲ 0.50% · 4.625%
HK$11,636
+HK$667/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,938/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$11,482
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,790
−HK$313/mo
Today · 4.125%
HK$12,103
baseline
▲ 0.50% · 4.625%
HK$12,741
+HK$638/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,206/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$12,042
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,416
−HK$381/mo
Today · 4.125%
HK$12,797
baseline
▲ 0.50% · 4.625%
HK$13,575
+HK$778/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,594/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$13,396
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,755
−HK$365/mo
Today · 4.125%
HK$14,120
baseline
▲ 0.50% · 4.625%
HK$14,864
+HK$744/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,240/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$15,482
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,964
−HK$489/mo
Today · 4.125%
HK$16,453
baseline
▲ 0.50% · 4.625%
HK$17,454
+HK$1,001/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$32,906/mo (50% DSR)
Upfront cash ≈ HK$377K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,224
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,685
−HK$469/mo
Today · 4.125%
HK$18,154
baseline
▲ 0.50% · 4.625%
HK$19,111
+HK$957/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$36,308/mo (50% DSR)
Upfront cash ≈ HK$377K (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).