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$8,586
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,854
−HK$271/mo
Today · 4.125%
HK$9,125
baseline
▲ 0.50% · 4.625%
HK$9,680
+HK$555/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,250/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$9,552
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,809
−HK$259/mo
Today · 4.125%
HK$10,068
baseline
▲ 0.50% · 4.625%
HK$10,599
+HK$531/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,136/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$10,304
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,624
−HK$326/mo
Today · 4.125%
HK$10,950
baseline
▲ 0.50% · 4.625%
HK$11,616
+HK$666/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,900/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$11,463
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,770
−HK$312/mo
Today · 4.125%
HK$12,082
baseline
▲ 0.50% · 4.625%
HK$12,719
+HK$637/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,164/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$12,021
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,395
−HK$380/mo
Today · 4.125%
HK$12,775
baseline
▲ 0.50% · 4.625%
HK$13,552
+HK$777/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,550/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$13,373
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,732
−HK$364/mo
Today · 4.125%
HK$14,096
baseline
▲ 0.50% · 4.625%
HK$14,839
+HK$743/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,192/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$15,456
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,936
−HK$489/mo
Today · 4.125%
HK$16,425
baseline
▲ 0.50% · 4.625%
HK$17,424
+HK$999/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$32,850/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$17,194
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,655
−HK$468/mo
Today · 4.125%
HK$18,123
baseline
▲ 0.50% · 4.625%
HK$19,079
+HK$956/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$36,246/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).