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$8,549
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,815
−HK$270/mo
Today · 4.125%
HK$9,085
baseline
▲ 0.50% · 4.625%
HK$9,638
+HK$553/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,170/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$9,511
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,766
−HK$258/mo
Today · 4.125%
HK$10,024
baseline
▲ 0.50% · 4.625%
HK$10,553
+HK$529/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$10,259
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,578
−HK$324/mo
Today · 4.125%
HK$10,902
baseline
▲ 0.50% · 4.625%
HK$11,565
+HK$663/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,804/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$11,413
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,719
−HK$310/mo
Today · 4.125%
HK$12,029
baseline
▲ 0.50% · 4.625%
HK$12,663
+HK$634/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,058/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$751/mo
▼ 0.25% · 3.875%
HK$12,341
−HK$378/mo
Today · 4.125%
HK$12,719
baseline
▲ 0.50% · 4.625%
HK$13,493
+HK$774/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,438/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$13,315
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,672
−HK$362/mo
Today · 4.125%
HK$14,034
baseline
▲ 0.50% · 4.625%
HK$14,774
+HK$740/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,068/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$15,388
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,867
−HK$486/mo
Today · 4.125%
HK$16,353
baseline
▲ 0.50% · 4.625%
HK$17,348
+HK$995/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$32,706/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$17,119
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,578
−HK$466/mo
Today · 4.125%
HK$18,044
baseline
▲ 0.50% · 4.625%
HK$18,995
+HK$951/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$36,088/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).