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$8,552
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,818
−HK$271/mo
Today · 4.125%
HK$9,089
baseline
▲ 0.50% · 4.625%
HK$9,642
+HK$553/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,178/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$514/mo
▼ 0.25% · 3.875%
HK$9,770
−HK$259/mo
Today · 4.125%
HK$10,029
baseline
▲ 0.50% · 4.625%
HK$10,557
+HK$528/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,058/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$10,263
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,582
−HK$325/mo
Today · 4.125%
HK$10,907
baseline
▲ 0.50% · 4.625%
HK$11,570
+HK$663/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,814/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$11,417
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,724
−HK$310/mo
Today · 4.125%
HK$12,034
baseline
▲ 0.50% · 4.625%
HK$12,669
+HK$635/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,068/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$11,973
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,346
−HK$378/mo
Today · 4.125%
HK$12,724
baseline
▲ 0.50% · 4.625%
HK$13,499
+HK$775/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,448/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$13,320
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,678
−HK$362/mo
Today · 4.125%
HK$14,040
baseline
▲ 0.50% · 4.625%
HK$14,780
+HK$740/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,080/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$15,394
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,873
−HK$487/mo
Today · 4.125%
HK$16,360
baseline
▲ 0.50% · 4.625%
HK$17,355
+HK$995/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$32,720/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$17,126
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,585
−HK$466/mo
Today · 4.125%
HK$18,051
baseline
▲ 0.50% · 4.625%
HK$19,003
+HK$952/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$36,102/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).