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$8,555
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,821
−HK$271/mo
Today · 4.125%
HK$9,092
baseline
▲ 0.50% · 4.625%
HK$9,645
+HK$553/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,184/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$9,517
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,773
−HK$259/mo
Today · 4.125%
HK$10,032
baseline
▲ 0.50% · 4.625%
HK$10,560
+HK$528/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,064/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$10,266
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,585
−HK$325/mo
Today · 4.125%
HK$10,910
baseline
▲ 0.50% · 4.625%
HK$11,574
+HK$664/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,820/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$11,421
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,727
−HK$311/mo
Today · 4.125%
HK$12,038
baseline
▲ 0.50% · 4.625%
HK$12,672
+HK$634/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,076/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$11,977
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,350
−HK$378/mo
Today · 4.125%
HK$12,728
baseline
▲ 0.50% · 4.625%
HK$13,503
+HK$775/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,456/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$13,324
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,682
−HK$362/mo
Today · 4.125%
HK$14,044
baseline
▲ 0.50% · 4.625%
HK$14,785
+HK$741/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,088/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$15,399
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,878
−HK$487/mo
Today · 4.125%
HK$16,365
baseline
▲ 0.50% · 4.625%
HK$17,361
+HK$996/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$32,730/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$17,131
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,591
−HK$466/mo
Today · 4.125%
HK$18,057
baseline
▲ 0.50% · 4.625%
HK$19,009
+HK$952/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$36,114/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).