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$8,583
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,850
−HK$271/mo
Today · 4.125%
HK$9,121
baseline
▲ 0.50% · 4.625%
HK$9,676
+HK$555/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,242/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$9,549
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,805
−HK$259/mo
Today · 4.125%
HK$10,064
baseline
▲ 0.50% · 4.625%
HK$10,595
+HK$531/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,128/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$10,300
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,620
−HK$326/mo
Today · 4.125%
HK$10,946
baseline
▲ 0.50% · 4.625%
HK$11,612
+HK$666/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,892/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$11,458
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,766
−HK$311/mo
Today · 4.125%
HK$12,077
baseline
▲ 0.50% · 4.625%
HK$12,714
+HK$637/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,154/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$12,016
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,390
−HK$380/mo
Today · 4.125%
HK$12,770
baseline
▲ 0.50% · 4.625%
HK$13,547
+HK$777/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,540/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$13,368
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,727
−HK$363/mo
Today · 4.125%
HK$14,090
baseline
▲ 0.50% · 4.625%
HK$14,833
+HK$743/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,180/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$15,450
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,930
−HK$488/mo
Today · 4.125%
HK$16,418
baseline
▲ 0.50% · 4.625%
HK$17,417
+HK$999/mo
Deposit HK$376K · loan HK$3.39M · min. income ≈ HK$32,836/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$17,187
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,648
−HK$468/mo
Today · 4.125%
HK$18,116
baseline
▲ 0.50% · 4.625%
HK$19,071
+HK$955/mo
Deposit HK$376K · loan HK$3.39M · min. income ≈ HK$36,232/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).