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$8,611
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,879
−HK$272/mo
Today · 4.125%
HK$9,151
baseline
▲ 0.50% · 4.625%
HK$9,707
+HK$556/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,302/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$9,579
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,836
−HK$261/mo
Today · 4.125%
HK$10,097
baseline
▲ 0.50% · 4.625%
HK$10,629
+HK$532/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,194/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$10,333
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,654
−HK$327/mo
Today · 4.125%
HK$10,981
baseline
▲ 0.50% · 4.625%
HK$11,649
+HK$668/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$21,962/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$11,495
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,803
−HK$313/mo
Today · 4.125%
HK$12,116
baseline
▲ 0.50% · 4.625%
HK$12,755
+HK$639/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,232/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$12,055
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,430
−HK$381/mo
Today · 4.125%
HK$12,811
baseline
▲ 0.50% · 4.625%
HK$13,590
+HK$779/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,622/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$13,411
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,771
−HK$365/mo
Today · 4.125%
HK$14,136
baseline
▲ 0.50% · 4.625%
HK$14,881
+HK$745/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,272/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$15,499
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,981
−HK$490/mo
Today · 4.125%
HK$16,471
baseline
▲ 0.50% · 4.625%
HK$17,473
+HK$1,002/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$32,942/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$17,243
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,705
−HK$469/mo
Today · 4.125%
HK$18,174
baseline
▲ 0.50% · 4.625%
HK$19,132
+HK$958/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$36,348/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).