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$8,633
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,901
−HK$273/mo
Today · 4.125%
HK$9,174
baseline
▲ 0.50% · 4.625%
HK$9,732
+HK$558/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,348/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$9,604
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,862
−HK$261/mo
Today · 4.125%
HK$10,123
baseline
▲ 0.50% · 4.625%
HK$10,656
+HK$533/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,246/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$10,359
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,682
−HK$327/mo
Today · 4.125%
HK$11,009
baseline
▲ 0.50% · 4.625%
HK$11,679
+HK$670/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$22,018/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$11,525
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,834
−HK$313/mo
Today · 4.125%
HK$12,147
baseline
▲ 0.50% · 4.625%
HK$12,788
+HK$641/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,294/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$12,086
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,462
−HK$382/mo
Today · 4.125%
HK$12,844
baseline
▲ 0.50% · 4.625%
HK$13,625
+HK$781/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$25,688/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$13,446
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,806
−HK$366/mo
Today · 4.125%
HK$14,172
baseline
▲ 0.50% · 4.625%
HK$14,919
+HK$747/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$28,344/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$15,539
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,023
−HK$491/mo
Today · 4.125%
HK$16,514
baseline
▲ 0.50% · 4.625%
HK$17,518
+HK$1,004/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$33,028/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$17,287
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,751
−HK$470/mo
Today · 4.125%
HK$18,221
baseline
▲ 0.50% · 4.625%
HK$19,182
+HK$961/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$36,442/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).