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$8,584
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,851
−HK$271/mo
Today · 4.125%
HK$9,122
baseline
▲ 0.50% · 4.625%
HK$9,677
+HK$555/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,244/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$9,549
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,805
−HK$260/mo
Today · 4.125%
HK$10,065
baseline
▲ 0.50% · 4.625%
HK$10,596
+HK$531/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,130/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$10,300
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,621
−HK$325/mo
Today · 4.125%
HK$10,946
baseline
▲ 0.50% · 4.625%
HK$11,612
+HK$666/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,892/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$11,459
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,766
−HK$312/mo
Today · 4.125%
HK$12,078
baseline
▲ 0.50% · 4.625%
HK$12,715
+HK$637/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,156/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$12,017
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,391
−HK$380/mo
Today · 4.125%
HK$12,771
baseline
▲ 0.50% · 4.625%
HK$13,548
+HK$777/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,542/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$13,369
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,727
−HK$364/mo
Today · 4.125%
HK$14,091
baseline
▲ 0.50% · 4.625%
HK$14,834
+HK$743/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,182/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$15,450
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,931
−HK$488/mo
Today · 4.125%
HK$16,419
baseline
▲ 0.50% · 4.625%
HK$17,418
+HK$999/mo
Deposit HK$376K · loan HK$3.39M · min. income ≈ HK$32,838/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$17,189
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,650
−HK$467/mo
Today · 4.125%
HK$18,117
baseline
▲ 0.50% · 4.625%
HK$19,072
+HK$955/mo
Deposit HK$376K · loan HK$3.39M · min. income ≈ HK$36,234/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).