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$8,567
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,833
−HK$271/mo
Today · 4.125%
HK$9,104
baseline
▲ 0.50% · 4.625%
HK$9,658
+HK$554/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,208/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$9,530
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,786
−HK$259/mo
Today · 4.125%
HK$10,045
baseline
▲ 0.50% · 4.625%
HK$10,575
+HK$530/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,090/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$10,280
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,600
−HK$325/mo
Today · 4.125%
HK$10,925
baseline
▲ 0.50% · 4.625%
HK$11,590
+HK$665/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,850/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$11,437
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,743
−HK$311/mo
Today · 4.125%
HK$12,054
baseline
▲ 0.50% · 4.625%
HK$12,690
+HK$636/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,108/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$11,993
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,367
−HK$379/mo
Today · 4.125%
HK$12,746
baseline
▲ 0.50% · 4.625%
HK$13,521
+HK$775/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,492/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$13,343
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,700
−HK$363/mo
Today · 4.125%
HK$14,063
baseline
▲ 0.50% · 4.625%
HK$14,805
+HK$742/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,126/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$15,420
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,900
−HK$487/mo
Today · 4.125%
HK$16,387
baseline
▲ 0.50% · 4.625%
HK$17,384
+HK$997/mo
Deposit HK$376K · loan HK$3.38M · min. income ≈ HK$32,774/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$17,155
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,615
−HK$467/mo
Today · 4.125%
HK$18,082
baseline
▲ 0.50% · 4.625%
HK$19,035
+HK$953/mo
Deposit HK$376K · loan HK$3.38M · min. income ≈ HK$36,164/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).