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$8,560
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,826
−HK$271/mo
Today · 4.125%
HK$9,097
baseline
▲ 0.50% · 4.625%
HK$9,650
+HK$553/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,194/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$9,523
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,778
−HK$259/mo
Today · 4.125%
HK$10,037
baseline
▲ 0.50% · 4.625%
HK$10,566
+HK$529/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,074/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$10,272
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,592
−HK$324/mo
Today · 4.125%
HK$10,916
baseline
▲ 0.50% · 4.625%
HK$11,580
+HK$664/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,832/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$11,427
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,734
−HK$311/mo
Today · 4.125%
HK$12,045
baseline
▲ 0.50% · 4.625%
HK$12,680
+HK$635/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,090/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$11,984
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,357
−HK$379/mo
Today · 4.125%
HK$12,736
baseline
▲ 0.50% · 4.625%
HK$13,510
+HK$774/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,472/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$13,332
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,690
−HK$362/mo
Today · 4.125%
HK$14,052
baseline
▲ 0.50% · 4.625%
HK$14,793
+HK$741/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,104/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$15,408
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,887
−HK$487/mo
Today · 4.125%
HK$16,374
baseline
▲ 0.50% · 4.625%
HK$17,371
+HK$997/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$32,748/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$17,141
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,601
−HK$466/mo
Today · 4.125%
HK$18,067
baseline
▲ 0.50% · 4.625%
HK$19,020
+HK$953/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$36,134/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).