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$8,548
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,814
−HK$270/mo
Today · 4.125%
HK$9,084
baseline
▲ 0.50% · 4.625%
HK$9,637
+HK$553/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,168/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,510
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,765
−HK$259/mo
Today · 4.125%
HK$10,024
baseline
▲ 0.50% · 4.625%
HK$10,552
+HK$528/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,048/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,258
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,577
−HK$324/mo
Today · 4.125%
HK$10,901
baseline
▲ 0.50% · 4.625%
HK$11,564
+HK$663/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,802/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$11,412
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,718
−HK$310/mo
Today · 4.125%
HK$12,028
baseline
▲ 0.50% · 4.625%
HK$12,662
+HK$634/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,056/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$11,968
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,340
−HK$378/mo
Today · 4.125%
HK$12,718
baseline
▲ 0.50% · 4.625%
HK$13,492
+HK$774/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,436/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,314
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,671
−HK$362/mo
Today · 4.125%
HK$14,033
baseline
▲ 0.50% · 4.625%
HK$14,773
+HK$740/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,066/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,387
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,866
−HK$486/mo
Today · 4.125%
HK$16,352
baseline
▲ 0.50% · 4.625%
HK$17,347
+HK$995/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$32,704/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$17,118
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,577
−HK$466/mo
Today · 4.125%
HK$18,043
baseline
▲ 0.50% · 4.625%
HK$18,994
+HK$951/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$36,086/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).