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$8,592
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,859
−HK$271/mo
Today · 4.125%
HK$9,130
baseline
▲ 0.50% · 4.625%
HK$9,686
+HK$556/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,260/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$9,558
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,814
−HK$260/mo
Today · 4.125%
HK$10,074
baseline
▲ 0.50% · 4.625%
HK$10,605
+HK$531/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,148/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$10,310
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,631
−HK$325/mo
Today · 4.125%
HK$10,956
baseline
▲ 0.50% · 4.625%
HK$11,623
+HK$667/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,912/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$11,470
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,777
−HK$312/mo
Today · 4.125%
HK$12,089
baseline
▲ 0.50% · 4.625%
HK$12,726
+HK$637/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,178/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$12,028
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,402
−HK$380/mo
Today · 4.125%
HK$12,782
baseline
▲ 0.50% · 4.625%
HK$13,560
+HK$778/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,564/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$13,381
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,740
−HK$364/mo
Today · 4.125%
HK$14,104
baseline
▲ 0.50% · 4.625%
HK$14,848
+HK$744/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,208/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$15,465
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,946
−HK$489/mo
Today · 4.125%
HK$16,435
baseline
▲ 0.50% · 4.625%
HK$17,435
+HK$1,000/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$32,870/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$17,204
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,666
−HK$468/mo
Today · 4.125%
HK$18,134
baseline
▲ 0.50% · 4.625%
HK$19,090
+HK$956/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$36,268/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).