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$8,585
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,852
−HK$271/mo
Today · 4.125%
HK$9,123
baseline
▲ 0.50% · 4.625%
HK$9,678
+HK$555/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,246/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$9,550
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,807
−HK$259/mo
Today · 4.125%
HK$10,066
baseline
▲ 0.50% · 4.625%
HK$10,597
+HK$531/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,132/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$10,302
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,622
−HK$326/mo
Today · 4.125%
HK$10,948
baseline
▲ 0.50% · 4.625%
HK$11,614
+HK$666/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,896/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$11,460
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,768
−HK$312/mo
Today · 4.125%
HK$12,080
baseline
▲ 0.50% · 4.625%
HK$12,716
+HK$636/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,160/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$12,019
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,392
−HK$380/mo
Today · 4.125%
HK$12,772
baseline
▲ 0.50% · 4.625%
HK$13,549
+HK$777/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,544/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$13,371
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,729
−HK$364/mo
Today · 4.125%
HK$14,093
baseline
▲ 0.50% · 4.625%
HK$14,836
+HK$743/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,186/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$15,452
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,933
−HK$488/mo
Today · 4.125%
HK$16,421
baseline
▲ 0.50% · 4.625%
HK$17,421
+HK$1,000/mo
Deposit HK$376K · loan HK$3.39M · min. income ≈ HK$32,842/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$17,191
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,652
−HK$467/mo
Today · 4.125%
HK$18,119
baseline
▲ 0.50% · 4.625%
HK$19,075
+HK$956/mo
Deposit HK$376K · loan HK$3.39M · min. income ≈ HK$36,238/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).