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$8,593
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,860
−HK$272/mo
Today · 4.125%
HK$9,132
baseline
▲ 0.50% · 4.625%
HK$9,687
+HK$555/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,264/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$9,560
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,816
−HK$260/mo
Today · 4.125%
HK$10,076
baseline
▲ 0.50% · 4.625%
HK$10,607
+HK$531/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,152/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$10,312
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,632
−HK$326/mo
Today · 4.125%
HK$10,958
baseline
▲ 0.50% · 4.625%
HK$11,625
+HK$667/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$11,779
−HK$312/mo
Today · 4.125%
HK$12,091
baseline
▲ 0.50% · 4.625%
HK$12,729
+HK$638/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$12,030
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,404
−HK$381/mo
Today · 4.125%
HK$12,785
baseline
▲ 0.50% · 4.625%
HK$13,562
+HK$777/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,570/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$14,850
+HK$744/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$15,467
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,948
−HK$489/mo
Today · 4.125%
HK$16,437
baseline
▲ 0.50% · 4.625%
HK$17,437
+HK$1,000/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$32,874/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$17,207
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,669
−HK$468/mo
Today · 4.125%
HK$18,137
baseline
▲ 0.50% · 4.625%
HK$19,093
+HK$956/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$36,274/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).