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$8,580
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,847
−HK$272/mo
Today · 4.125%
HK$9,119
baseline
▲ 0.50% · 4.625%
HK$9,673
+HK$554/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$515/mo
▼ 0.25% · 3.875%
HK$9,802
−HK$259/mo
Today · 4.125%
HK$10,061
baseline
▲ 0.50% · 4.625%
HK$10,592
+HK$531/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,122/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$645/mo
▼ 0.25% · 3.875%
HK$10,617
−HK$325/mo
Today · 4.125%
HK$10,942
baseline
▲ 0.50% · 4.625%
HK$11,608
+HK$666/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,884/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$11,455
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,762
−HK$312/mo
Today · 4.125%
HK$12,074
baseline
▲ 0.50% · 4.625%
HK$12,710
+HK$636/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,148/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$753/mo
▼ 0.25% · 3.875%
HK$12,386
−HK$380/mo
Today · 4.125%
HK$12,766
baseline
▲ 0.50% · 4.625%
HK$13,543
+HK$777/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,532/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$13,364
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,722
−HK$364/mo
Today · 4.125%
HK$14,086
baseline
▲ 0.50% · 4.625%
HK$14,828
+HK$742/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,172/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$15,445
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,925
−HK$488/mo
Today · 4.125%
HK$16,413
baseline
▲ 0.50% · 4.625%
HK$17,412
+HK$999/mo
Deposit HK$376K · loan HK$3.39M · min. income ≈ HK$32,826/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$17,182
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,643
−HK$468/mo
Today · 4.125%
HK$18,111
baseline
▲ 0.50% · 4.625%
HK$19,065
+HK$954/mo
Deposit HK$376K · loan HK$3.39M · min. income ≈ HK$36,222/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).