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$8,588
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,855
−HK$272/mo
Today · 4.125%
HK$9,127
baseline
▲ 0.50% · 4.625%
HK$9,682
+HK$555/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,254/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$9,554
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,811
−HK$260/mo
Today · 4.125%
HK$10,071
baseline
▲ 0.50% · 4.625%
HK$10,601
+HK$530/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,142/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$10,306
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,627
−HK$325/mo
Today · 4.125%
HK$10,952
baseline
▲ 0.50% · 4.625%
HK$11,619
+HK$667/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,904/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$11,465
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,773
−HK$312/mo
Today · 4.125%
HK$12,085
baseline
▲ 0.50% · 4.625%
HK$12,722
+HK$637/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,170/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$12,024
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,398
−HK$380/mo
Today · 4.125%
HK$12,778
baseline
▲ 0.50% · 4.625%
HK$13,555
+HK$777/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,556/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$13,376
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,735
−HK$364/mo
Today · 4.125%
HK$14,099
baseline
▲ 0.50% · 4.625%
HK$14,842
+HK$743/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,198/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$15,459
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,940
−HK$488/mo
Today · 4.125%
HK$16,428
baseline
▲ 0.50% · 4.625%
HK$17,428
+HK$1,000/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$32,856/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$17,198
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,659
−HK$468/mo
Today · 4.125%
HK$18,127
baseline
▲ 0.50% · 4.625%
HK$19,083
+HK$956/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$36,254/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).