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$8,565
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,832
−HK$270/mo
Today · 4.125%
HK$9,102
baseline
▲ 0.50% · 4.625%
HK$9,656
+HK$554/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,204/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$9,529
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,784
−HK$260/mo
Today · 4.125%
HK$10,044
baseline
▲ 0.50% · 4.625%
HK$10,573
+HK$529/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,088/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$10,278
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,598
−HK$325/mo
Today · 4.125%
HK$10,923
baseline
▲ 0.50% · 4.625%
HK$11,587
+HK$664/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,846/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$11,435
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,741
−HK$311/mo
Today · 4.125%
HK$12,052
baseline
▲ 0.50% · 4.625%
HK$12,688
+HK$636/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,104/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$11,991
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,364
−HK$379/mo
Today · 4.125%
HK$12,743
baseline
▲ 0.50% · 4.625%
HK$13,519
+HK$776/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,486/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$13,340
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,698
−HK$363/mo
Today · 4.125%
HK$14,061
baseline
▲ 0.50% · 4.625%
HK$14,802
+HK$741/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,122/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$15,417
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,897
−HK$487/mo
Today · 4.125%
HK$16,384
baseline
▲ 0.50% · 4.625%
HK$17,381
+HK$997/mo
Deposit HK$376K · loan HK$3.38M · min. income ≈ HK$32,768/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$17,152
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,612
−HK$466/mo
Today · 4.125%
HK$18,078
baseline
▲ 0.50% · 4.625%
HK$19,031
+HK$953/mo
Deposit HK$376K · loan HK$3.38M · min. income ≈ HK$36,156/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).