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$8,561
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,827
−HK$270/mo
Today · 4.125%
HK$9,097
baseline
▲ 0.50% · 4.625%
HK$9,651
+HK$554/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,194/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$9,523
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,779
−HK$259/mo
Today · 4.125%
HK$10,038
baseline
▲ 0.50% · 4.625%
HK$10,567
+HK$529/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,076/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$10,273
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,592
−HK$325/mo
Today · 4.125%
HK$10,917
baseline
▲ 0.50% · 4.625%
HK$11,581
+HK$664/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,834/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$11,428
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,735
−HK$311/mo
Today · 4.125%
HK$12,046
baseline
▲ 0.50% · 4.625%
HK$12,681
+HK$635/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,092/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$11,985
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,358
−HK$378/mo
Today · 4.125%
HK$12,736
baseline
▲ 0.50% · 4.625%
HK$13,511
+HK$775/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,472/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$13,333
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,690
−HK$363/mo
Today · 4.125%
HK$14,053
baseline
▲ 0.50% · 4.625%
HK$14,794
+HK$741/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,106/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$15,409
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,888
−HK$487/mo
Today · 4.125%
HK$16,375
baseline
▲ 0.50% · 4.625%
HK$17,372
+HK$997/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$32,750/mo (50% DSR)
Upfront cash ≈ HK$376K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,142
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,602
−HK$466/mo
Today · 4.125%
HK$18,068
baseline
▲ 0.50% · 4.625%
HK$19,021
+HK$953/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$36,136/mo (50% DSR)
Upfront cash ≈ HK$376K (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).