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$8,556
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,823
−HK$270/mo
Today · 4.125%
HK$9,093
baseline
▲ 0.50% · 4.625%
HK$9,646
+HK$553/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,186/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$9,519
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,774
−HK$259/mo
Today · 4.125%
HK$10,033
baseline
▲ 0.50% · 4.625%
HK$10,562
+HK$529/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,066/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$10,268
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,587
−HK$325/mo
Today · 4.125%
HK$10,912
baseline
▲ 0.50% · 4.625%
HK$11,576
+HK$664/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,824/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$11,423
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,729
−HK$311/mo
Today · 4.125%
HK$12,040
baseline
▲ 0.50% · 4.625%
HK$12,675
+HK$635/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,080/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$11,979
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,352
−HK$378/mo
Today · 4.125%
HK$12,730
baseline
▲ 0.50% · 4.625%
HK$13,505
+HK$775/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,460/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$13,327
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,684
−HK$363/mo
Today · 4.125%
HK$14,047
baseline
▲ 0.50% · 4.625%
HK$14,787
+HK$740/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,094/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$15,402
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,881
−HK$486/mo
Today · 4.125%
HK$16,367
baseline
▲ 0.50% · 4.625%
HK$17,363
+HK$996/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$32,734/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$17,134
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,594
−HK$466/mo
Today · 4.125%
HK$18,060
baseline
▲ 0.50% · 4.625%
HK$19,012
+HK$952/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$36,120/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).