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$8,621
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,889
−HK$273/mo
Today · 4.125%
HK$9,162
baseline
▲ 0.50% · 4.625%
HK$9,719
+HK$557/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,324/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$9,591
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,848
−HK$261/mo
Today · 4.125%
HK$10,109
baseline
▲ 0.50% · 4.625%
HK$10,642
+HK$533/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,218/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$10,345
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,667
−HK$327/mo
Today · 4.125%
HK$10,994
baseline
▲ 0.50% · 4.625%
HK$11,663
+HK$669/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$21,988/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$11,509
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,818
−HK$313/mo
Today · 4.125%
HK$12,131
baseline
▲ 0.50% · 4.625%
HK$12,771
+HK$640/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,262/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$12,070
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,445
−HK$382/mo
Today · 4.125%
HK$12,827
baseline
▲ 0.50% · 4.625%
HK$13,607
+HK$780/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$25,654/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$13,427
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,788
−HK$365/mo
Today · 4.125%
HK$14,153
baseline
▲ 0.50% · 4.625%
HK$14,899
+HK$746/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$28,306/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$15,518
−HK$973/mo
▼ 0.25% · 3.875%
HK$16,001
−HK$490/mo
Today · 4.125%
HK$16,491
baseline
▲ 0.50% · 4.625%
HK$17,495
+HK$1,004/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$32,982/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$17,264
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,727
−HK$470/mo
Today · 4.125%
HK$18,197
baseline
▲ 0.50% · 4.625%
HK$19,156
+HK$959/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$36,394/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).