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$8,545
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,811
−HK$270/mo
Today · 4.125%
HK$9,081
baseline
▲ 0.50% · 4.625%
HK$9,633
+HK$552/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,162/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$9,506
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,761
−HK$259/mo
Today · 4.125%
HK$10,020
baseline
▲ 0.50% · 4.625%
HK$10,548
+HK$528/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,040/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$10,254
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,573
−HK$324/mo
Today · 4.125%
HK$10,897
baseline
▲ 0.50% · 4.625%
HK$11,560
+HK$663/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,794/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$11,407
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,713
−HK$310/mo
Today · 4.125%
HK$12,023
baseline
▲ 0.50% · 4.625%
HK$12,657
+HK$634/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,046/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$11,963
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,335
−HK$378/mo
Today · 4.125%
HK$12,713
baseline
▲ 0.50% · 4.625%
HK$13,486
+HK$773/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,426/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$13,308
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,665
−HK$362/mo
Today · 4.125%
HK$14,027
baseline
▲ 0.50% · 4.625%
HK$14,767
+HK$740/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,054/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$15,381
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,859
−HK$486/mo
Today · 4.125%
HK$16,345
baseline
▲ 0.50% · 4.625%
HK$17,340
+HK$995/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$32,690/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$17,111
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,570
−HK$465/mo
Today · 4.125%
HK$18,035
baseline
▲ 0.50% · 4.625%
HK$18,986
+HK$951/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$36,070/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).