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$8,575
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,842
−HK$271/mo
Today · 4.125%
HK$9,113
baseline
▲ 0.50% · 4.625%
HK$9,668
+HK$555/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,226/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$9,540
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,796
−HK$259/mo
Today · 4.125%
HK$10,055
baseline
▲ 0.50% · 4.625%
HK$10,585
+HK$530/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,110/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$10,290
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,610
−HK$326/mo
Today · 4.125%
HK$10,936
baseline
▲ 0.50% · 4.625%
HK$11,601
+HK$665/mo
Deposit HK$1.50M · loan HK$2.26M · min. income ≈ HK$21,872/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,448
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,755
−HK$311/mo
Today · 4.125%
HK$12,066
baseline
▲ 0.50% · 4.625%
HK$12,702
+HK$636/mo
Deposit HK$1.50M · loan HK$2.26M · min. income ≈ HK$24,132/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,005
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,379
−HK$379/mo
Today · 4.125%
HK$12,758
baseline
▲ 0.50% · 4.625%
HK$13,535
+HK$777/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,516/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$13,356
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,714
−HK$363/mo
Today · 4.125%
HK$14,077
baseline
▲ 0.50% · 4.625%
HK$14,819
+HK$742/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,154/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$15,435
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,916
−HK$487/mo
Today · 4.125%
HK$16,403
baseline
▲ 0.50% · 4.625%
HK$17,402
+HK$999/mo
Deposit HK$376K · loan HK$3.38M · min. income ≈ HK$32,806/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$17,172
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,632
−HK$468/mo
Today · 4.125%
HK$18,100
baseline
▲ 0.50% · 4.625%
HK$19,054
+HK$954/mo
Deposit HK$376K · loan HK$3.38M · min. income ≈ HK$36,200/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).