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$8,551
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,817
−HK$270/mo
Today · 4.125%
HK$9,087
baseline
▲ 0.50% · 4.625%
HK$9,640
+HK$553/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,174/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$9,513
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,768
−HK$259/mo
Today · 4.125%
HK$10,027
baseline
▲ 0.50% · 4.625%
HK$10,556
+HK$529/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,054/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$10,261
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,581
−HK$324/mo
Today · 4.125%
HK$10,905
baseline
▲ 0.50% · 4.625%
HK$11,568
+HK$663/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,810/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$11,416
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,722
−HK$310/mo
Today · 4.125%
HK$12,032
baseline
▲ 0.50% · 4.625%
HK$12,667
+HK$635/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,064/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$11,972
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,344
−HK$378/mo
Today · 4.125%
HK$12,722
baseline
▲ 0.50% · 4.625%
HK$13,496
+HK$774/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,444/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$13,318
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,675
−HK$363/mo
Today · 4.125%
HK$14,038
baseline
▲ 0.50% · 4.625%
HK$14,778
+HK$740/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,076/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$15,392
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,871
−HK$486/mo
Today · 4.125%
HK$16,357
baseline
▲ 0.50% · 4.625%
HK$17,352
+HK$995/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$32,714/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$17,123
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,583
−HK$466/mo
Today · 4.125%
HK$18,049
baseline
▲ 0.50% · 4.625%
HK$19,000
+HK$951/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$36,098/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).