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$8,547
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,813
−HK$270/mo
Today · 4.125%
HK$9,083
baseline
▲ 0.50% · 4.625%
HK$9,636
+HK$553/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,166/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$9,509
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,764
−HK$259/mo
Today · 4.125%
HK$10,023
baseline
▲ 0.50% · 4.625%
HK$10,551
+HK$528/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,046/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$10,257
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,576
−HK$324/mo
Today · 4.125%
HK$10,900
baseline
▲ 0.50% · 4.625%
HK$11,563
+HK$663/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,800/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$11,411
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,717
−HK$310/mo
Today · 4.125%
HK$12,027
baseline
▲ 0.50% · 4.625%
HK$12,661
+HK$634/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,054/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$11,966
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,339
−HK$378/mo
Today · 4.125%
HK$12,717
baseline
▲ 0.50% · 4.625%
HK$13,490
+HK$773/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,434/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$13,312
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,669
−HK$363/mo
Today · 4.125%
HK$14,032
baseline
▲ 0.50% · 4.625%
HK$14,771
+HK$739/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,064/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$15,385
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,864
−HK$486/mo
Today · 4.125%
HK$16,350
baseline
▲ 0.50% · 4.625%
HK$17,345
+HK$995/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$32,700/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$17,116
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,575
−HK$466/mo
Today · 4.125%
HK$18,041
baseline
▲ 0.50% · 4.625%
HK$18,992
+HK$951/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$36,082/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).