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$8,610
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,878
−HK$272/mo
Today · 4.125%
HK$9,150
baseline
▲ 0.50% · 4.625%
HK$9,706
+HK$556/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,300/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$9,578
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,835
−HK$261/mo
Today · 4.125%
HK$10,096
baseline
▲ 0.50% · 4.625%
HK$10,628
+HK$532/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,192/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$10,332
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,653
−HK$327/mo
Today · 4.125%
HK$10,980
baseline
▲ 0.50% · 4.625%
HK$11,648
+HK$668/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$21,960/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$11,494
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,802
−HK$313/mo
Today · 4.125%
HK$12,115
baseline
▲ 0.50% · 4.625%
HK$12,753
+HK$638/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,230/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$12,054
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,429
−HK$381/mo
Today · 4.125%
HK$12,810
baseline
▲ 0.50% · 4.625%
HK$13,589
+HK$779/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,620/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$13,410
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,769
−HK$365/mo
Today · 4.125%
HK$14,134
baseline
▲ 0.50% · 4.625%
HK$14,879
+HK$745/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,268/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$15,498
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,980
−HK$489/mo
Today · 4.125%
HK$16,469
baseline
▲ 0.50% · 4.625%
HK$17,471
+HK$1,002/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$32,938/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$17,241
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,703
−HK$469/mo
Today · 4.125%
HK$18,172
baseline
▲ 0.50% · 4.625%
HK$19,130
+HK$958/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$36,344/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).