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$8,563
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,829
−HK$271/mo
Today · 4.125%
HK$9,100
baseline
▲ 0.50% · 4.625%
HK$9,653
+HK$553/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,200/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$9,526
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,781
−HK$260/mo
Today · 4.125%
HK$10,041
baseline
▲ 0.50% · 4.625%
HK$10,570
+HK$529/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,082/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$10,275
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,595
−HK$325/mo
Today · 4.125%
HK$10,920
baseline
▲ 0.50% · 4.625%
HK$11,584
+HK$664/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,840/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$11,431
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,738
−HK$311/mo
Today · 4.125%
HK$12,049
baseline
▲ 0.50% · 4.625%
HK$12,684
+HK$635/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,098/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$11,988
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,361
−HK$378/mo
Today · 4.125%
HK$12,739
baseline
▲ 0.50% · 4.625%
HK$13,515
+HK$776/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,478/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$13,336
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,694
−HK$363/mo
Today · 4.125%
HK$14,057
baseline
▲ 0.50% · 4.625%
HK$14,798
+HK$741/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,114/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$15,413
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,892
−HK$487/mo
Today · 4.125%
HK$16,379
baseline
▲ 0.50% · 4.625%
HK$17,376
+HK$997/mo
Deposit HK$376K · loan HK$3.38M · min. income ≈ HK$32,758/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$17,147
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,606
−HK$467/mo
Today · 4.125%
HK$18,073
baseline
▲ 0.50% · 4.625%
HK$19,026
+HK$953/mo
Deposit HK$376K · loan HK$3.38M · min. income ≈ HK$36,146/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).