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$8,574
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,841
−HK$271/mo
Today · 4.125%
HK$9,112
baseline
▲ 0.50% · 4.625%
HK$9,666
+HK$554/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,224/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$9,538
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,794
−HK$260/mo
Today · 4.125%
HK$10,054
baseline
▲ 0.50% · 4.625%
HK$10,584
+HK$530/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,108/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$10,289
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,609
−HK$325/mo
Today · 4.125%
HK$10,934
baseline
▲ 0.50% · 4.625%
HK$11,599
+HK$665/mo
Deposit HK$1.50M · loan HK$2.26M · min. income ≈ HK$21,868/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$11,446
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,753
−HK$311/mo
Today · 4.125%
HK$12,064
baseline
▲ 0.50% · 4.625%
HK$12,700
+HK$636/mo
Deposit HK$1.50M · loan HK$2.26M · min. income ≈ HK$24,128/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$12,003
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,377
−HK$379/mo
Today · 4.125%
HK$12,756
baseline
▲ 0.50% · 4.625%
HK$13,532
+HK$776/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,512/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$13,354
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,712
−HK$363/mo
Today · 4.125%
HK$14,075
baseline
▲ 0.50% · 4.625%
HK$14,817
+HK$742/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,150/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$15,433
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,913
−HK$488/mo
Today · 4.125%
HK$16,401
baseline
▲ 0.50% · 4.625%
HK$17,399
+HK$998/mo
Deposit HK$376K · loan HK$3.38M · min. income ≈ HK$32,802/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$17,169
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,630
−HK$467/mo
Today · 4.125%
HK$18,097
baseline
▲ 0.50% · 4.625%
HK$19,051
+HK$954/mo
Deposit HK$376K · loan HK$3.38M · min. income ≈ HK$36,194/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).