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$8,606
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,874
−HK$272/mo
Today · 4.125%
HK$9,146
baseline
▲ 0.50% · 4.625%
HK$9,703
+HK$557/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,292/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$9,575
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,831
−HK$261/mo
Today · 4.125%
HK$10,092
baseline
▲ 0.50% · 4.625%
HK$10,624
+HK$532/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,184/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$10,328
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,649
−HK$326/mo
Today · 4.125%
HK$10,975
baseline
▲ 0.50% · 4.625%
HK$11,643
+HK$668/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,950/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$11,490
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,798
−HK$312/mo
Today · 4.125%
HK$12,110
baseline
▲ 0.50% · 4.625%
HK$12,749
+HK$639/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,220/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$12,049
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,424
−HK$381/mo
Today · 4.125%
HK$12,805
baseline
▲ 0.50% · 4.625%
HK$13,584
+HK$779/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,610/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$13,405
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,764
−HK$365/mo
Today · 4.125%
HK$14,129
baseline
▲ 0.50% · 4.625%
HK$14,873
+HK$744/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,258/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$15,492
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,974
−HK$489/mo
Today · 4.125%
HK$16,463
baseline
▲ 0.50% · 4.625%
HK$17,465
+HK$1,002/mo
Deposit HK$377K · loan HK$3.40M · min. income ≈ HK$32,926/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$17,234
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,697
−HK$468/mo
Today · 4.125%
HK$18,165
baseline
▲ 0.50% · 4.625%
HK$19,123
+HK$958/mo
Deposit HK$377K · loan HK$3.40M · min. income ≈ HK$36,330/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).