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$8,583
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,850
−HK$271/mo
Today · 4.125%
HK$9,121
baseline
▲ 0.50% · 4.625%
HK$9,676
+HK$555/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,242/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$9,548
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,804
−HK$260/mo
Today · 4.125%
HK$10,064
baseline
▲ 0.50% · 4.625%
HK$10,595
+HK$531/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,128/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$10,299
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,620
−HK$325/mo
Today · 4.125%
HK$10,945
baseline
▲ 0.50% · 4.625%
HK$11,611
+HK$666/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,890/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$11,458
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,765
−HK$312/mo
Today · 4.125%
HK$12,077
baseline
▲ 0.50% · 4.625%
HK$12,713
+HK$636/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,154/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$12,016
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,390
−HK$379/mo
Today · 4.125%
HK$12,769
baseline
▲ 0.50% · 4.625%
HK$13,546
+HK$777/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,538/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$13,367
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,726
−HK$364/mo
Today · 4.125%
HK$14,090
baseline
▲ 0.50% · 4.625%
HK$14,832
+HK$742/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,180/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$15,449
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,929
−HK$489/mo
Today · 4.125%
HK$16,418
baseline
▲ 0.50% · 4.625%
HK$17,417
+HK$999/mo
Deposit HK$376K · loan HK$3.39M · min. income ≈ HK$32,836/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$17,187
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,648
−HK$467/mo
Today · 4.125%
HK$18,115
baseline
▲ 0.50% · 4.625%
HK$19,070
+HK$955/mo
Deposit HK$376K · loan HK$3.39M · min. income ≈ HK$36,230/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).