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$8,572
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,839
−HK$271/mo
Today · 4.125%
HK$9,110
baseline
▲ 0.50% · 4.625%
HK$9,664
+HK$554/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,220/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$9,537
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,792
−HK$260/mo
Today · 4.125%
HK$10,052
baseline
▲ 0.50% · 4.625%
HK$10,582
+HK$530/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,104/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$10,287
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,607
−HK$325/mo
Today · 4.125%
HK$10,932
baseline
▲ 0.50% · 4.625%
HK$11,597
+HK$665/mo
Deposit HK$1.50M · loan HK$2.26M · min. income ≈ HK$21,864/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$11,444
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,751
−HK$311/mo
Today · 4.125%
HK$12,062
baseline
▲ 0.50% · 4.625%
HK$12,698
+HK$636/mo
Deposit HK$1.50M · loan HK$2.26M · min. income ≈ HK$24,124/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$12,001
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,375
−HK$379/mo
Today · 4.125%
HK$12,754
baseline
▲ 0.50% · 4.625%
HK$13,530
+HK$776/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,508/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$13,351
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,709
−HK$364/mo
Today · 4.125%
HK$14,073
baseline
▲ 0.50% · 4.625%
HK$14,814
+HK$741/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,146/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$15,430
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,910
−HK$488/mo
Today · 4.125%
HK$16,398
baseline
▲ 0.50% · 4.625%
HK$17,396
+HK$998/mo
Deposit HK$376K · loan HK$3.38M · min. income ≈ HK$32,796/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$17,166
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,626
−HK$467/mo
Today · 4.125%
HK$18,093
baseline
▲ 0.50% · 4.625%
HK$19,047
+HK$954/mo
Deposit HK$376K · loan HK$3.38M · min. income ≈ HK$36,186/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).