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$8,564
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,830
−HK$271/mo
Today · 4.125%
HK$9,101
baseline
▲ 0.50% · 4.625%
HK$9,654
+HK$553/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,202/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$9,527
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,782
−HK$260/mo
Today · 4.125%
HK$10,042
baseline
▲ 0.50% · 4.625%
HK$10,571
+HK$529/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,084/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$10,276
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,596
−HK$325/mo
Today · 4.125%
HK$10,921
baseline
▲ 0.50% · 4.625%
HK$11,585
+HK$664/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,842/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$11,432
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,739
−HK$311/mo
Today · 4.125%
HK$12,050
baseline
▲ 0.50% · 4.625%
HK$12,685
+HK$635/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,100/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$11,989
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,362
−HK$379/mo
Today · 4.125%
HK$12,741
baseline
▲ 0.50% · 4.625%
HK$13,516
+HK$775/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,482/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$13,338
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,695
−HK$363/mo
Today · 4.125%
HK$14,058
baseline
▲ 0.50% · 4.625%
HK$14,799
+HK$741/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,116/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$15,414
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,894
−HK$487/mo
Today · 4.125%
HK$16,381
baseline
▲ 0.50% · 4.625%
HK$17,378
+HK$997/mo
Deposit HK$376K · loan HK$3.38M · min. income ≈ HK$32,762/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$17,148
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,608
−HK$467/mo
Today · 4.125%
HK$18,075
baseline
▲ 0.50% · 4.625%
HK$19,027
+HK$952/mo
Deposit HK$376K · loan HK$3.38M · min. income ≈ HK$36,150/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).