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$9,635
+HK$553/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$9,508
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,763
−HK$258/mo
Today · 4.125%
HK$10,021
baseline
▲ 0.50% · 4.625%
HK$10,550
+HK$529/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$10,256
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,575
−HK$324/mo
Today · 4.125%
HK$10,899
baseline
▲ 0.50% · 4.625%
HK$11,562
+HK$663/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,798/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$617/mo
▼ 0.25% · 3.875%
HK$11,715
−HK$311/mo
Today · 4.125%
HK$12,026
baseline
▲ 0.50% · 4.625%
HK$12,660
+HK$634/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,052/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$11,965
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,337
−HK$378/mo
Today · 4.125%
HK$12,715
baseline
▲ 0.50% · 4.625%
HK$13,489
+HK$774/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$13,311
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,668
−HK$362/mo
Today · 4.125%
HK$14,030
baseline
▲ 0.50% · 4.625%
HK$14,770
+HK$740/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,060/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$965/mo
▼ 0.25% · 3.875%
HK$15,862
−HK$486/mo
Today · 4.125%
HK$16,348
baseline
▲ 0.50% · 4.625%
HK$17,343
+HK$995/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$32,696/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$17,114
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,573
−HK$466/mo
Today · 4.125%
HK$18,039
baseline
▲ 0.50% · 4.625%
HK$18,989
+HK$950/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$36,078/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).