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$8,628
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,896
−HK$273/mo
Today · 4.125%
HK$9,169
baseline
▲ 0.50% · 4.625%
HK$9,727
+HK$558/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,338/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$9,598
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,856
−HK$261/mo
Today · 4.125%
HK$10,117
baseline
▲ 0.50% · 4.625%
HK$10,650
+HK$533/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,234/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$10,354
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,676
−HK$327/mo
Today · 4.125%
HK$11,003
baseline
▲ 0.50% · 4.625%
HK$11,672
+HK$669/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$22,006/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$11,518
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,827
−HK$313/mo
Today · 4.125%
HK$12,140
baseline
▲ 0.50% · 4.625%
HK$12,780
+HK$640/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,280/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$12,079
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,455
−HK$382/mo
Today · 4.125%
HK$12,837
baseline
▲ 0.50% · 4.625%
HK$13,618
+HK$781/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$25,674/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$13,438
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,798
−HK$366/mo
Today · 4.125%
HK$14,164
baseline
▲ 0.50% · 4.625%
HK$14,910
+HK$746/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$28,328/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$15,530
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,013
−HK$491/mo
Today · 4.125%
HK$16,504
baseline
▲ 0.50% · 4.625%
HK$17,508
+HK$1,004/mo
Deposit HK$378K · loan HK$3.41M · min. income ≈ HK$33,008/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$17,277
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,741
−HK$470/mo
Today · 4.125%
HK$18,211
baseline
▲ 0.50% · 4.625%
HK$19,171
+HK$960/mo
Deposit HK$378K · loan HK$3.41M · min. income ≈ HK$36,422/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).