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$8,573
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,839
−HK$271/mo
Today · 4.125%
HK$9,110
baseline
▲ 0.50% · 4.625%
HK$9,664
+HK$554/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,220/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$9,537
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,793
−HK$259/mo
Today · 4.125%
HK$10,052
baseline
▲ 0.50% · 4.625%
HK$10,582
+HK$530/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,104/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$10,287
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,607
−HK$325/mo
Today · 4.125%
HK$10,932
baseline
▲ 0.50% · 4.625%
HK$11,597
+HK$665/mo
Deposit HK$1.50M · loan HK$2.26M · min. income ≈ HK$21,864/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$11,444
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,751
−HK$312/mo
Today · 4.125%
HK$12,063
baseline
▲ 0.50% · 4.625%
HK$12,698
+HK$635/mo
Deposit HK$1.50M · loan HK$2.26M · min. income ≈ HK$24,126/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$12,002
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,375
−HK$379/mo
Today · 4.125%
HK$12,754
baseline
▲ 0.50% · 4.625%
HK$13,530
+HK$776/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,508/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$13,352
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,710
−HK$363/mo
Today · 4.125%
HK$14,073
baseline
▲ 0.50% · 4.625%
HK$14,815
+HK$742/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,146/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$15,431
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,911
−HK$487/mo
Today · 4.125%
HK$16,398
baseline
▲ 0.50% · 4.625%
HK$17,396
+HK$998/mo
Deposit HK$376K · loan HK$3.38M · min. income ≈ HK$32,796/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$17,166
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,627
−HK$467/mo
Today · 4.125%
HK$18,094
baseline
▲ 0.50% · 4.625%
HK$19,048
+HK$954/mo
Deposit HK$376K · loan HK$3.38M · min. income ≈ HK$36,188/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).