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$8,592
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,860
−HK$271/mo
Today · 4.125%
HK$9,131
baseline
▲ 0.50% · 4.625%
HK$9,687
+HK$556/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,262/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$9,559
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,815
−HK$260/mo
Today · 4.125%
HK$10,075
baseline
▲ 0.50% · 4.625%
HK$10,607
+HK$532/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,150/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$10,311
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,632
−HK$326/mo
Today · 4.125%
HK$10,958
baseline
▲ 0.50% · 4.625%
HK$11,624
+HK$666/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,916/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$11,471
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,778
−HK$313/mo
Today · 4.125%
HK$12,091
baseline
▲ 0.50% · 4.625%
HK$12,728
+HK$637/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,182/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$12,029
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,404
−HK$380/mo
Today · 4.125%
HK$12,784
baseline
▲ 0.50% · 4.625%
HK$13,562
+HK$778/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,568/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$13,383
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,742
−HK$364/mo
Today · 4.125%
HK$14,106
baseline
▲ 0.50% · 4.625%
HK$14,849
+HK$743/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,212/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$15,466
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,948
−HK$488/mo
Today · 4.125%
HK$16,436
baseline
▲ 0.50% · 4.625%
HK$17,436
+HK$1,000/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$32,872/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$17,206
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,668
−HK$468/mo
Today · 4.125%
HK$18,136
baseline
▲ 0.50% · 4.625%
HK$19,092
+HK$956/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$36,272/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).