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$8,567
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,834
−HK$271/mo
Today · 4.125%
HK$9,105
baseline
▲ 0.50% · 4.625%
HK$9,659
+HK$554/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,210/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$9,531
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,787
−HK$259/mo
Today · 4.125%
HK$10,046
baseline
▲ 0.50% · 4.625%
HK$10,576
+HK$530/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,092/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$10,281
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,601
−HK$325/mo
Today · 4.125%
HK$10,926
baseline
▲ 0.50% · 4.625%
HK$11,590
+HK$664/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,852/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$11,437
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,744
−HK$311/mo
Today · 4.125%
HK$12,055
baseline
▲ 0.50% · 4.625%
HK$12,691
+HK$636/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,110/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$11,994
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,367
−HK$380/mo
Today · 4.125%
HK$12,747
baseline
▲ 0.50% · 4.625%
HK$13,522
+HK$775/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,494/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$13,344
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,701
−HK$364/mo
Today · 4.125%
HK$14,065
baseline
▲ 0.50% · 4.625%
HK$14,806
+HK$741/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,130/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$15,421
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,901
−HK$487/mo
Today · 4.125%
HK$16,388
baseline
▲ 0.50% · 4.625%
HK$17,386
+HK$998/mo
Deposit HK$376K · loan HK$3.38M · min. income ≈ HK$32,776/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$17,156
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,616
−HK$467/mo
Today · 4.125%
HK$18,083
baseline
▲ 0.50% · 4.625%
HK$19,036
+HK$953/mo
Deposit HK$376K · loan HK$3.38M · min. income ≈ HK$36,166/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).