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$8,580
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,846
−HK$272/mo
Today · 4.125%
HK$9,118
baseline
▲ 0.50% · 4.625%
HK$9,672
+HK$554/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,236/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$9,545
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,801
−HK$259/mo
Today · 4.125%
HK$10,060
baseline
▲ 0.50% · 4.625%
HK$10,591
+HK$531/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,120/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$10,295
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,616
−HK$325/mo
Today · 4.125%
HK$10,941
baseline
▲ 0.50% · 4.625%
HK$11,607
+HK$666/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,882/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$11,454
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,761
−HK$311/mo
Today · 4.125%
HK$12,072
baseline
▲ 0.50% · 4.625%
HK$12,709
+HK$637/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,144/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$12,011
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,385
−HK$380/mo
Today · 4.125%
HK$12,765
baseline
▲ 0.50% · 4.625%
HK$13,541
+HK$776/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,530/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$13,363
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,721
−HK$363/mo
Today · 4.125%
HK$14,084
baseline
▲ 0.50% · 4.625%
HK$14,827
+HK$743/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,168/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$15,443
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,924
−HK$488/mo
Today · 4.125%
HK$16,412
baseline
▲ 0.50% · 4.625%
HK$17,410
+HK$998/mo
Deposit HK$376K · loan HK$3.39M · min. income ≈ HK$32,824/mo (50% DSR)
Upfront cash ≈ HK$376K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,180
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,641
−HK$468/mo
Today · 4.125%
HK$18,109
baseline
▲ 0.50% · 4.625%
HK$19,063
+HK$954/mo
Deposit HK$376K · loan HK$3.39M · min. income ≈ HK$36,218/mo (50% DSR)
Upfront cash ≈ HK$376K (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).