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$8,543
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,809
−HK$269/mo
Today · 4.125%
HK$9,078
baseline
▲ 0.50% · 4.625%
HK$9,631
+HK$553/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,156/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,504
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,759
−HK$258/mo
Today · 4.125%
HK$10,017
baseline
▲ 0.50% · 4.625%
HK$10,545
+HK$528/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,034/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,251
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,570
−HK$324/mo
Today · 4.125%
HK$10,894
baseline
▲ 0.50% · 4.625%
HK$11,557
+HK$663/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,788/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$11,404
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,710
−HK$311/mo
Today · 4.125%
HK$12,021
baseline
▲ 0.50% · 4.625%
HK$12,654
+HK$633/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,042/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$11,960
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,332
−HK$378/mo
Today · 4.125%
HK$12,710
baseline
▲ 0.50% · 4.625%
HK$13,483
+HK$773/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,420/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,305
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,662
−HK$362/mo
Today · 4.125%
HK$14,024
baseline
▲ 0.50% · 4.625%
HK$14,763
+HK$739/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,048/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,377
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,855
−HK$486/mo
Today · 4.125%
HK$16,341
baseline
▲ 0.50% · 4.625%
HK$17,336
+HK$995/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$32,682/mo (50% DSR)
Upfront cash ≈ HK$375K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,107
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,566
−HK$465/mo
Today · 4.125%
HK$18,031
baseline
▲ 0.50% · 4.625%
HK$18,981
+HK$950/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$36,062/mo (50% DSR)
Upfront cash ≈ HK$375K (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).