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$8,552
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,818
−HK$270/mo
Today · 4.125%
HK$9,088
baseline
▲ 0.50% · 4.625%
HK$9,641
+HK$553/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,176/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$9,514
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,769
−HK$259/mo
Today · 4.125%
HK$10,028
baseline
▲ 0.50% · 4.625%
HK$10,556
+HK$528/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,056/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$10,262
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,581
−HK$325/mo
Today · 4.125%
HK$10,906
baseline
▲ 0.50% · 4.625%
HK$11,569
+HK$663/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,812/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$11,416
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,723
−HK$310/mo
Today · 4.125%
HK$12,033
baseline
▲ 0.50% · 4.625%
HK$12,667
+HK$634/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,066/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$11,972
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,345
−HK$378/mo
Today · 4.125%
HK$12,723
baseline
▲ 0.50% · 4.625%
HK$13,497
+HK$774/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,446/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$13,319
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,676
−HK$363/mo
Today · 4.125%
HK$14,039
baseline
▲ 0.50% · 4.625%
HK$14,779
+HK$740/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,078/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$15,393
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,872
−HK$486/mo
Today · 4.125%
HK$16,358
baseline
▲ 0.50% · 4.625%
HK$17,354
+HK$996/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$32,716/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$17,125
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,584
−HK$466/mo
Today · 4.125%
HK$18,050
baseline
▲ 0.50% · 4.625%
HK$19,001
+HK$951/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$36,100/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).