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$8,585
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,852
−HK$272/mo
Today · 4.125%
HK$9,124
baseline
▲ 0.50% · 4.625%
HK$9,679
+HK$555/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,248/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$9,551
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,807
−HK$260/mo
Today · 4.125%
HK$10,067
baseline
▲ 0.50% · 4.625%
HK$10,598
+HK$531/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,134/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$10,303
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,623
−HK$326/mo
Today · 4.125%
HK$10,949
baseline
▲ 0.50% · 4.625%
HK$11,615
+HK$666/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,898/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$11,461
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,769
−HK$312/mo
Today · 4.125%
HK$12,081
baseline
▲ 0.50% · 4.625%
HK$12,717
+HK$636/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,162/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$12,020
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,393
−HK$380/mo
Today · 4.125%
HK$12,773
baseline
▲ 0.50% · 4.625%
HK$13,551
+HK$778/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,546/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$13,372
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,730
−HK$364/mo
Today · 4.125%
HK$14,094
baseline
▲ 0.50% · 4.625%
HK$14,837
+HK$743/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,188/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$15,454
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,934
−HK$489/mo
Today · 4.125%
HK$16,423
baseline
▲ 0.50% · 4.625%
HK$17,422
+HK$999/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$32,846/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$17,192
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,653
−HK$468/mo
Today · 4.125%
HK$18,121
baseline
▲ 0.50% · 4.625%
HK$19,076
+HK$955/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$36,242/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).