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$8,572
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,839
−HK$270/mo
Today · 4.125%
HK$9,109
baseline
▲ 0.50% · 4.625%
HK$9,664
+HK$555/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,218/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$9,536
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,792
−HK$259/mo
Today · 4.125%
HK$10,051
baseline
▲ 0.50% · 4.625%
HK$10,581
+HK$530/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,102/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$10,286
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,606
−HK$325/mo
Today · 4.125%
HK$10,931
baseline
▲ 0.50% · 4.625%
HK$11,596
+HK$665/mo
Deposit HK$1.50M · loan HK$2.26M · min. income ≈ HK$21,862/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$11,443
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,750
−HK$312/mo
Today · 4.125%
HK$12,062
baseline
▲ 0.50% · 4.625%
HK$12,697
+HK$635/mo
Deposit HK$1.50M · loan HK$2.26M · min. income ≈ HK$24,124/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$12,001
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,374
−HK$379/mo
Today · 4.125%
HK$12,753
baseline
▲ 0.50% · 4.625%
HK$13,529
+HK$776/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,506/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$13,351
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,709
−HK$363/mo
Today · 4.125%
HK$14,072
baseline
▲ 0.50% · 4.625%
HK$14,814
+HK$742/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,144/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$15,429
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,909
−HK$488/mo
Today · 4.125%
HK$16,397
baseline
▲ 0.50% · 4.625%
HK$17,395
+HK$998/mo
Deposit HK$376K · loan HK$3.38M · min. income ≈ HK$32,794/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$17,165
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,625
−HK$467/mo
Today · 4.125%
HK$18,092
baseline
▲ 0.50% · 4.625%
HK$19,046
+HK$954/mo
Deposit HK$376K · loan HK$3.38M · min. income ≈ HK$36,184/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).