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$8,553
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,819
−HK$271/mo
Today · 4.125%
HK$9,090
baseline
▲ 0.50% · 4.625%
HK$9,643
+HK$553/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,180/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$9,515
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,771
−HK$259/mo
Today · 4.125%
HK$10,030
baseline
▲ 0.50% · 4.625%
HK$10,558
+HK$528/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,060/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$10,264
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,583
−HK$325/mo
Today · 4.125%
HK$10,908
baseline
▲ 0.50% · 4.625%
HK$11,571
+HK$663/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,816/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$11,419
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,725
−HK$310/mo
Today · 4.125%
HK$12,035
baseline
▲ 0.50% · 4.625%
HK$12,670
+HK$635/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,070/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$11,975
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,347
−HK$379/mo
Today · 4.125%
HK$12,726
baseline
▲ 0.50% · 4.625%
HK$13,500
+HK$774/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,452/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$13,322
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,679
−HK$362/mo
Today · 4.125%
HK$14,041
baseline
▲ 0.50% · 4.625%
HK$14,782
+HK$741/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,082/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$15,396
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,875
−HK$486/mo
Today · 4.125%
HK$16,361
baseline
▲ 0.50% · 4.625%
HK$17,357
+HK$996/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$32,722/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$17,128
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,587
−HK$466/mo
Today · 4.125%
HK$18,053
baseline
▲ 0.50% · 4.625%
HK$19,005
+HK$952/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$36,106/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).