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$8,560
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,826
−HK$270/mo
Today · 4.125%
HK$9,096
baseline
▲ 0.50% · 4.625%
HK$9,650
+HK$554/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,192/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$9,522
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,778
−HK$259/mo
Today · 4.125%
HK$10,037
baseline
▲ 0.50% · 4.625%
HK$10,566
+HK$529/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,074/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$10,271
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,591
−HK$325/mo
Today · 4.125%
HK$10,916
baseline
▲ 0.50% · 4.625%
HK$11,580
+HK$664/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,832/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$11,427
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,733
−HK$311/mo
Today · 4.125%
HK$12,044
baseline
▲ 0.50% · 4.625%
HK$12,679
+HK$635/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,088/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$11,983
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,356
−HK$379/mo
Today · 4.125%
HK$12,735
baseline
▲ 0.50% · 4.625%
HK$13,510
+HK$775/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,470/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$13,331
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,689
−HK$363/mo
Today · 4.125%
HK$14,052
baseline
▲ 0.50% · 4.625%
HK$14,792
+HK$740/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,104/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$15,407
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,886
−HK$487/mo
Today · 4.125%
HK$16,373
baseline
▲ 0.50% · 4.625%
HK$17,370
+HK$997/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$32,746/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$17,140
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,600
−HK$466/mo
Today · 4.125%
HK$18,066
baseline
▲ 0.50% · 4.625%
HK$19,019
+HK$953/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$36,132/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).