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$8,546
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,812
−HK$270/mo
Today · 4.125%
HK$9,082
baseline
▲ 0.50% · 4.625%
HK$9,634
+HK$552/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,164/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$9,507
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,762
−HK$259/mo
Today · 4.125%
HK$10,021
baseline
▲ 0.50% · 4.625%
HK$10,549
+HK$528/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,042/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$10,255
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,574
−HK$324/mo
Today · 4.125%
HK$10,898
baseline
▲ 0.50% · 4.625%
HK$11,561
+HK$663/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,796/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$11,409
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,715
−HK$310/mo
Today · 4.125%
HK$12,025
baseline
▲ 0.50% · 4.625%
HK$12,659
+HK$634/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,050/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$11,964
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,337
−HK$378/mo
Today · 4.125%
HK$12,715
baseline
▲ 0.50% · 4.625%
HK$13,488
+HK$773/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,430/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$13,310
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,667
−HK$362/mo
Today · 4.125%
HK$14,029
baseline
▲ 0.50% · 4.625%
HK$14,769
+HK$740/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,058/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$15,383
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,861
−HK$486/mo
Today · 4.125%
HK$16,347
baseline
▲ 0.50% · 4.625%
HK$17,342
+HK$995/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$32,694/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$17,113
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,572
−HK$466/mo
Today · 4.125%
HK$18,038
baseline
▲ 0.50% · 4.625%
HK$18,988
+HK$950/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$36,076/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).