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$8,587
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,854
−HK$271/mo
Today · 4.125%
HK$9,125
baseline
▲ 0.50% · 4.625%
HK$9,681
+HK$556/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,250/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$9,553
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,809
−HK$260/mo
Today · 4.125%
HK$10,069
baseline
▲ 0.50% · 4.625%
HK$10,600
+HK$531/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,138/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$10,304
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,625
−HK$326/mo
Today · 4.125%
HK$10,951
baseline
▲ 0.50% · 4.625%
HK$11,617
+HK$666/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,902/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$11,463
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,771
−HK$312/mo
Today · 4.125%
HK$12,083
baseline
▲ 0.50% · 4.625%
HK$12,720
+HK$637/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,166/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$12,022
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,396
−HK$380/mo
Today · 4.125%
HK$12,776
baseline
▲ 0.50% · 4.625%
HK$13,553
+HK$777/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,552/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$13,374
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,733
−HK$364/mo
Today · 4.125%
HK$14,097
baseline
▲ 0.50% · 4.625%
HK$14,840
+HK$743/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,194/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$15,457
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,937
−HK$489/mo
Today · 4.125%
HK$16,426
baseline
▲ 0.50% · 4.625%
HK$17,425
+HK$999/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$32,852/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$17,195
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,656
−HK$468/mo
Today · 4.125%
HK$18,124
baseline
▲ 0.50% · 4.625%
HK$19,080
+HK$956/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$36,248/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).