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$8,562
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,828
−HK$271/mo
Today · 4.125%
HK$9,099
baseline
▲ 0.50% · 4.625%
HK$9,652
+HK$553/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,198/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$9,525
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,780
−HK$259/mo
Today · 4.125%
HK$10,039
baseline
▲ 0.50% · 4.625%
HK$10,569
+HK$530/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,078/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$10,274
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,594
−HK$324/mo
Today · 4.125%
HK$10,918
baseline
▲ 0.50% · 4.625%
HK$11,583
+HK$665/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,836/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$11,430
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,736
−HK$311/mo
Today · 4.125%
HK$12,047
baseline
▲ 0.50% · 4.625%
HK$12,682
+HK$635/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,094/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$11,986
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,359
−HK$379/mo
Today · 4.125%
HK$12,738
baseline
▲ 0.50% · 4.625%
HK$13,513
+HK$775/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,476/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$13,335
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,692
−HK$363/mo
Today · 4.125%
HK$14,055
baseline
▲ 0.50% · 4.625%
HK$14,796
+HK$741/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,110/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$15,411
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,890
−HK$488/mo
Today · 4.125%
HK$16,378
baseline
▲ 0.50% · 4.625%
HK$17,374
+HK$996/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$32,756/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$17,145
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,604
−HK$467/mo
Today · 4.125%
HK$18,071
baseline
▲ 0.50% · 4.625%
HK$19,024
+HK$953/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$36,142/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).