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$8,578
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,845
−HK$271/mo
Today · 4.125%
HK$9,116
baseline
▲ 0.50% · 4.625%
HK$9,671
+HK$555/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,232/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$9,543
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,799
−HK$260/mo
Today · 4.125%
HK$10,059
baseline
▲ 0.50% · 4.625%
HK$10,589
+HK$530/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,118/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$10,294
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,614
−HK$326/mo
Today · 4.125%
HK$10,940
baseline
▲ 0.50% · 4.625%
HK$11,605
+HK$665/mo
Deposit HK$1.50M · loan HK$2.26M · min. income ≈ HK$21,880/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$11,452
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,759
−HK$312/mo
Today · 4.125%
HK$12,071
baseline
▲ 0.50% · 4.625%
HK$12,707
+HK$636/mo
Deposit HK$1.50M · loan HK$2.26M · min. income ≈ HK$24,142/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$12,010
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,383
−HK$380/mo
Today · 4.125%
HK$12,763
baseline
▲ 0.50% · 4.625%
HK$13,540
+HK$777/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,526/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$13,361
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,719
−HK$364/mo
Today · 4.125%
HK$14,083
baseline
▲ 0.50% · 4.625%
HK$14,825
+HK$742/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,166/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$15,441
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,921
−HK$488/mo
Today · 4.125%
HK$16,409
baseline
▲ 0.50% · 4.625%
HK$17,408
+HK$999/mo
Deposit HK$376K · loan HK$3.39M · min. income ≈ HK$32,818/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$17,178
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,639
−HK$467/mo
Today · 4.125%
HK$18,106
baseline
▲ 0.50% · 4.625%
HK$19,061
+HK$955/mo
Deposit HK$376K · loan HK$3.39M · min. income ≈ HK$36,212/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).