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$8,590
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,857
−HK$271/mo
Today · 4.125%
HK$9,128
baseline
▲ 0.50% · 4.625%
HK$9,684
+HK$556/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,256/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,556
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,812
−HK$260/mo
Today · 4.125%
HK$10,072
baseline
▲ 0.50% · 4.625%
HK$10,603
+HK$531/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,144/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,307
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,628
−HK$326/mo
Today · 4.125%
HK$10,954
baseline
▲ 0.50% · 4.625%
HK$11,620
+HK$666/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,908/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$11,467
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,774
−HK$312/mo
Today · 4.125%
HK$12,086
baseline
▲ 0.50% · 4.625%
HK$12,723
+HK$637/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,172/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$12,025
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,399
−HK$380/mo
Today · 4.125%
HK$12,779
baseline
▲ 0.50% · 4.625%
HK$13,557
+HK$778/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,558/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$13,378
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,737
−HK$364/mo
Today · 4.125%
HK$14,101
baseline
▲ 0.50% · 4.625%
HK$14,844
+HK$743/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,202/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$15,461
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,942
−HK$489/mo
Today · 4.125%
HK$16,431
baseline
▲ 0.50% · 4.625%
HK$17,430
+HK$999/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$32,862/mo (50% DSR)
Upfront cash ≈ HK$377K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,200
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,662
−HK$468/mo
Today · 4.125%
HK$18,130
baseline
▲ 0.50% · 4.625%
HK$19,085
+HK$955/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$36,260/mo (50% DSR)
Upfront cash ≈ HK$377K (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).