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$8,589
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,856
−HK$272/mo
Today · 4.125%
HK$9,128
baseline
▲ 0.50% · 4.625%
HK$9,683
+HK$555/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,256/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$9,555
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,812
−HK$260/mo
Today · 4.125%
HK$10,072
baseline
▲ 0.50% · 4.625%
HK$10,603
+HK$531/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,144/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$10,307
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,628
−HK$325/mo
Today · 4.125%
HK$10,953
baseline
▲ 0.50% · 4.625%
HK$11,620
+HK$667/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,906/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$11,466
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,774
−HK$312/mo
Today · 4.125%
HK$12,086
baseline
▲ 0.50% · 4.625%
HK$12,723
+HK$637/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,172/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$12,025
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,399
−HK$380/mo
Today · 4.125%
HK$12,779
baseline
▲ 0.50% · 4.625%
HK$13,557
+HK$778/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,558/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$13,378
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,736
−HK$364/mo
Today · 4.125%
HK$14,100
baseline
▲ 0.50% · 4.625%
HK$14,844
+HK$744/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,200/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$15,461
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,941
−HK$489/mo
Today · 4.125%
HK$16,430
baseline
▲ 0.50% · 4.625%
HK$17,430
+HK$1,000/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$32,860/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$17,200
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,661
−HK$468/mo
Today · 4.125%
HK$18,129
baseline
▲ 0.50% · 4.625%
HK$19,085
+HK$956/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$36,258/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).