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$8,581
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,848
−HK$271/mo
Today · 4.125%
HK$9,119
baseline
▲ 0.50% · 4.625%
HK$9,674
+HK$555/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,238/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$9,546
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,802
−HK$260/mo
Today · 4.125%
HK$10,062
baseline
▲ 0.50% · 4.625%
HK$10,592
+HK$530/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,124/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$10,297
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,618
−HK$325/mo
Today · 4.125%
HK$10,943
baseline
▲ 0.50% · 4.625%
HK$11,609
+HK$666/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,886/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$11,456
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,763
−HK$312/mo
Today · 4.125%
HK$12,075
baseline
▲ 0.50% · 4.625%
HK$12,711
+HK$636/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,150/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$12,013
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,387
−HK$380/mo
Today · 4.125%
HK$12,767
baseline
▲ 0.50% · 4.625%
HK$13,544
+HK$777/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,534/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$13,365
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,723
−HK$364/mo
Today · 4.125%
HK$14,087
baseline
▲ 0.50% · 4.625%
HK$14,829
+HK$742/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,174/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$15,446
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,926
−HK$489/mo
Today · 4.125%
HK$16,415
baseline
▲ 0.50% · 4.625%
HK$17,413
+HK$998/mo
Deposit HK$376K · loan HK$3.39M · min. income ≈ HK$32,830/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$17,183
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,644
−HK$468/mo
Today · 4.125%
HK$18,112
baseline
▲ 0.50% · 4.625%
HK$19,066
+HK$954/mo
Deposit HK$376K · loan HK$3.39M · min. income ≈ HK$36,224/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).