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$8,594
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,862
−HK$271/mo
Today · 4.125%
HK$9,133
baseline
▲ 0.50% · 4.625%
HK$9,689
+HK$556/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,266/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$9,561
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,817
−HK$260/mo
Today · 4.125%
HK$10,077
baseline
▲ 0.50% · 4.625%
HK$10,609
+HK$532/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,154/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$10,313
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,634
−HK$326/mo
Today · 4.125%
HK$10,960
baseline
▲ 0.50% · 4.625%
HK$11,627
+HK$667/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,920/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$11,473
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,781
−HK$312/mo
Today · 4.125%
HK$12,093
baseline
▲ 0.50% · 4.625%
HK$12,730
+HK$637/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,186/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$12,032
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,406
−HK$380/mo
Today · 4.125%
HK$12,786
baseline
▲ 0.50% · 4.625%
HK$13,564
+HK$778/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,572/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$13,385
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,744
−HK$364/mo
Today · 4.125%
HK$14,108
baseline
▲ 0.50% · 4.625%
HK$14,852
+HK$744/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,216/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$15,470
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,951
−HK$489/mo
Today · 4.125%
HK$16,440
baseline
▲ 0.50% · 4.625%
HK$17,440
+HK$1,000/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$32,880/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$17,210
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,671
−HK$468/mo
Today · 4.125%
HK$18,139
baseline
▲ 0.50% · 4.625%
HK$19,096
+HK$957/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$36,278/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).