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$8,557
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,823
−HK$271/mo
Today · 4.125%
HK$9,094
baseline
▲ 0.50% · 4.625%
HK$9,647
+HK$553/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,188/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$9,520
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,775
−HK$259/mo
Today · 4.125%
HK$10,034
baseline
▲ 0.50% · 4.625%
HK$10,563
+HK$529/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,068/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$10,268
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,588
−HK$324/mo
Today · 4.125%
HK$10,912
baseline
▲ 0.50% · 4.625%
HK$11,576
+HK$664/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,824/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$11,424
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,730
−HK$311/mo
Today · 4.125%
HK$12,041
baseline
▲ 0.50% · 4.625%
HK$12,675
+HK$634/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,082/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$11,980
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,352
−HK$379/mo
Today · 4.125%
HK$12,731
baseline
▲ 0.50% · 4.625%
HK$13,506
+HK$775/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,462/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$13,327
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,685
−HK$363/mo
Today · 4.125%
HK$14,048
baseline
▲ 0.50% · 4.625%
HK$14,788
+HK$740/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,096/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$15,403
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,882
−HK$487/mo
Today · 4.125%
HK$16,369
baseline
▲ 0.50% · 4.625%
HK$17,365
+HK$996/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$32,738/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$17,135
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,595
−HK$466/mo
Today · 4.125%
HK$18,061
baseline
▲ 0.50% · 4.625%
HK$19,013
+HK$952/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$36,122/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).