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$8,595
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,863
−HK$271/mo
Today · 4.125%
HK$9,134
baseline
▲ 0.50% · 4.625%
HK$9,690
+HK$556/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,268/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$9,562
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,819
−HK$260/mo
Today · 4.125%
HK$10,079
baseline
▲ 0.50% · 4.625%
HK$10,610
+HK$531/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,158/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$10,315
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,635
−HK$326/mo
Today · 4.125%
HK$10,961
baseline
▲ 0.50% · 4.625%
HK$11,628
+HK$667/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,922/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$11,475
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,783
−HK$312/mo
Today · 4.125%
HK$12,095
baseline
▲ 0.50% · 4.625%
HK$12,732
+HK$637/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,190/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$12,034
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,408
−HK$380/mo
Today · 4.125%
HK$12,788
baseline
▲ 0.50% · 4.625%
HK$13,566
+HK$778/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,576/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$13,387
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,746
−HK$365/mo
Today · 4.125%
HK$14,111
baseline
▲ 0.50% · 4.625%
HK$14,854
+HK$743/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,222/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$15,472
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,953
−HK$489/mo
Today · 4.125%
HK$16,442
baseline
▲ 0.50% · 4.625%
HK$17,442
+HK$1,000/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$32,884/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$17,212
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,674
−HK$468/mo
Today · 4.125%
HK$18,142
baseline
▲ 0.50% · 4.625%
HK$19,098
+HK$956/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$36,284/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).