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$8,615
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,883
−HK$272/mo
Today · 4.125%
HK$9,155
baseline
▲ 0.50% · 4.625%
HK$9,712
+HK$557/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,310/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$9,584
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,841
−HK$261/mo
Today · 4.125%
HK$10,102
baseline
▲ 0.50% · 4.625%
HK$10,634
+HK$532/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,204/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$10,338
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,660
−HK$326/mo
Today · 4.125%
HK$10,986
baseline
▲ 0.50% · 4.625%
HK$11,655
+HK$669/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$21,972/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$11,501
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,809
−HK$313/mo
Today · 4.125%
HK$12,122
baseline
▲ 0.50% · 4.625%
HK$12,761
+HK$639/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,244/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$12,061
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,436
−HK$381/mo
Today · 4.125%
HK$12,817
baseline
▲ 0.50% · 4.625%
HK$13,597
+HK$780/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,634/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$13,418
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,778
−HK$365/mo
Today · 4.125%
HK$14,143
baseline
▲ 0.50% · 4.625%
HK$14,888
+HK$745/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,286/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$15,507
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,989
−HK$490/mo
Today · 4.125%
HK$16,479
baseline
▲ 0.50% · 4.625%
HK$17,482
+HK$1,003/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$32,958/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$17,251
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,714
−HK$469/mo
Today · 4.125%
HK$18,183
baseline
▲ 0.50% · 4.625%
HK$19,142
+HK$959/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$36,366/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).