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$8,582
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,849
−HK$271/mo
Today · 4.125%
HK$9,120
baseline
▲ 0.50% · 4.625%
HK$9,675
+HK$555/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,240/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$9,547
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,803
−HK$260/mo
Today · 4.125%
HK$10,063
baseline
▲ 0.50% · 4.625%
HK$10,594
+HK$531/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,126/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$10,298
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,619
−HK$325/mo
Today · 4.125%
HK$10,944
baseline
▲ 0.50% · 4.625%
HK$11,610
+HK$666/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,888/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$11,457
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,764
−HK$312/mo
Today · 4.125%
HK$12,076
baseline
▲ 0.50% · 4.625%
HK$12,712
+HK$636/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,152/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$12,015
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,388
−HK$380/mo
Today · 4.125%
HK$12,768
baseline
▲ 0.50% · 4.625%
HK$13,545
+HK$777/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,536/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$13,366
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,725
−HK$363/mo
Today · 4.125%
HK$14,088
baseline
▲ 0.50% · 4.625%
HK$14,831
+HK$743/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,176/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$15,447
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,928
−HK$488/mo
Today · 4.125%
HK$16,416
baseline
▲ 0.50% · 4.625%
HK$17,415
+HK$999/mo
Deposit HK$376K · loan HK$3.39M · min. income ≈ HK$32,832/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$17,185
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,646
−HK$468/mo
Today · 4.125%
HK$18,114
baseline
▲ 0.50% · 4.625%
HK$19,068
+HK$954/mo
Deposit HK$376K · loan HK$3.39M · min. income ≈ HK$36,228/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).