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$8,556
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,822
−HK$271/mo
Today · 4.125%
HK$9,093
baseline
▲ 0.50% · 4.625%
HK$9,646
+HK$553/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,186/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$9,518
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,774
−HK$259/mo
Today · 4.125%
HK$10,033
baseline
▲ 0.50% · 4.625%
HK$10,562
+HK$529/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,066/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$10,267
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,587
−HK$324/mo
Today · 4.125%
HK$10,911
baseline
▲ 0.50% · 4.625%
HK$11,575
+HK$664/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,822/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$11,422
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,728
−HK$311/mo
Today · 4.125%
HK$12,039
baseline
▲ 0.50% · 4.625%
HK$12,674
+HK$635/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,078/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$11,978
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,351
−HK$379/mo
Today · 4.125%
HK$12,730
baseline
▲ 0.50% · 4.625%
HK$13,504
+HK$774/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,460/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$13,326
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,683
−HK$363/mo
Today · 4.125%
HK$14,046
baseline
▲ 0.50% · 4.625%
HK$14,786
+HK$740/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,092/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$15,401
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,880
−HK$487/mo
Today · 4.125%
HK$16,367
baseline
▲ 0.50% · 4.625%
HK$17,362
+HK$995/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$32,734/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$17,133
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,593
−HK$466/mo
Today · 4.125%
HK$18,059
baseline
▲ 0.50% · 4.625%
HK$19,011
+HK$952/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$36,118/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).