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$8,635
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,904
−HK$272/mo
Today · 4.125%
HK$9,176
baseline
▲ 0.50% · 4.625%
HK$9,735
+HK$559/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,352/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$9,606
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,864
−HK$261/mo
Today · 4.125%
HK$10,125
baseline
▲ 0.50% · 4.625%
HK$10,659
+HK$534/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,250/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$10,362
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,684
−HK$328/mo
Today · 4.125%
HK$11,012
baseline
▲ 0.50% · 4.625%
HK$11,682
+HK$670/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$22,024/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$11,528
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,837
−HK$313/mo
Today · 4.125%
HK$12,150
baseline
▲ 0.50% · 4.625%
HK$12,791
+HK$641/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,300/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$12,089
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,465
−HK$382/mo
Today · 4.125%
HK$12,847
baseline
▲ 0.50% · 4.625%
HK$13,629
+HK$782/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$25,694/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$13,449
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,810
−HK$365/mo
Today · 4.125%
HK$14,175
baseline
▲ 0.50% · 4.625%
HK$14,923
+HK$748/mo
Deposit HK$1.14M · loan HK$2.65M · min. income ≈ HK$28,350/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$15,543
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,026
−HK$492/mo
Today · 4.125%
HK$16,518
baseline
▲ 0.50% · 4.625%
HK$17,523
+HK$1,005/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$33,036/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$17,291
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,755
−HK$471/mo
Today · 4.125%
HK$18,226
baseline
▲ 0.50% · 4.625%
HK$19,186
+HK$960/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$36,452/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).