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$8,544
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,810
−HK$270/mo
Today · 4.125%
HK$9,080
baseline
▲ 0.50% · 4.625%
HK$9,632
+HK$552/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,160/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$9,505
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,760
−HK$259/mo
Today · 4.125%
HK$10,019
baseline
▲ 0.50% · 4.625%
HK$10,547
+HK$528/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,038/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$10,253
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,572
−HK$324/mo
Today · 4.125%
HK$10,896
baseline
▲ 0.50% · 4.625%
HK$11,559
+HK$663/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,792/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$11,406
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,712
−HK$310/mo
Today · 4.125%
HK$12,022
baseline
▲ 0.50% · 4.625%
HK$12,656
+HK$634/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,044/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$11,962
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,334
−HK$378/mo
Today · 4.125%
HK$12,712
baseline
▲ 0.50% · 4.625%
HK$13,485
+HK$773/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,424/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$13,307
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,664
−HK$362/mo
Today · 4.125%
HK$14,026
baseline
▲ 0.50% · 4.625%
HK$14,766
+HK$740/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,052/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$15,379
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,858
−HK$486/mo
Today · 4.125%
HK$16,344
baseline
▲ 0.50% · 4.625%
HK$17,338
+HK$994/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$32,688/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$17,109
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,568
−HK$466/mo
Today · 4.125%
HK$18,034
baseline
▲ 0.50% · 4.625%
HK$18,984
+HK$950/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$36,068/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).