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$8,608
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,875
−HK$272/mo
Today · 4.125%
HK$9,147
baseline
▲ 0.50% · 4.625%
HK$9,704
+HK$557/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,294/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$9,576
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,833
−HK$260/mo
Today · 4.125%
HK$10,093
baseline
▲ 0.50% · 4.625%
HK$10,625
+HK$532/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,186/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$10,329
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,651
−HK$326/mo
Today · 4.125%
HK$10,977
baseline
▲ 0.50% · 4.625%
HK$11,645
+HK$668/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,954/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$11,491
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,799
−HK$313/mo
Today · 4.125%
HK$12,112
baseline
▲ 0.50% · 4.625%
HK$12,750
+HK$638/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,224/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$12,051
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,426
−HK$380/mo
Today · 4.125%
HK$12,806
baseline
▲ 0.50% · 4.625%
HK$13,586
+HK$780/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,612/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$13,406
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,766
−HK$365/mo
Today · 4.125%
HK$14,131
baseline
▲ 0.50% · 4.625%
HK$14,875
+HK$744/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,262/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$15,494
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,976
−HK$489/mo
Today · 4.125%
HK$16,465
baseline
▲ 0.50% · 4.625%
HK$17,467
+HK$1,002/mo
Deposit HK$377K · loan HK$3.40M · min. income ≈ HK$32,930/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$17,237
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,699
−HK$469/mo
Today · 4.125%
HK$18,168
baseline
▲ 0.50% · 4.625%
HK$19,126
+HK$958/mo
Deposit HK$377K · loan HK$3.40M · min. income ≈ HK$36,336/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).