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$539/mo
▼ 0.25% · 3.875%
HK$8,857
−HK$272/mo
Today · 4.125%
HK$9,129
baseline
▲ 0.50% · 4.625%
HK$9,684
+HK$555/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,258/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$517/mo
▼ 0.25% · 3.875%
HK$9,813
−HK$260/mo
Today · 4.125%
HK$10,073
baseline
▲ 0.50% · 4.625%
HK$10,603
+HK$530/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,146/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$10,308
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,629
−HK$325/mo
Today · 4.125%
HK$10,954
baseline
▲ 0.50% · 4.625%
HK$11,621
+HK$667/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$620/mo
▼ 0.25% · 3.875%
HK$11,775
−HK$312/mo
Today · 4.125%
HK$12,087
baseline
▲ 0.50% · 4.625%
HK$12,724
+HK$637/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,174/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$12,026
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,400
−HK$380/mo
Today · 4.125%
HK$12,780
baseline
▲ 0.50% · 4.625%
HK$13,558
+HK$778/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,560/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$13,379
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,738
−HK$364/mo
Today · 4.125%
HK$14,102
baseline
▲ 0.50% · 4.625%
HK$14,845
+HK$743/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,204/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$15,462
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,943
−HK$489/mo
Today · 4.125%
HK$16,432
baseline
▲ 0.50% · 4.625%
HK$17,431
+HK$999/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$32,864/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$17,201
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,663
−HK$468/mo
Today · 4.125%
HK$18,131
baseline
▲ 0.50% · 4.625%
HK$19,086
+HK$955/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$36,262/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).