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$8,570
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,837
−HK$270/mo
Today · 4.125%
HK$9,107
baseline
▲ 0.50% · 4.625%
HK$9,662
+HK$555/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,214/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$9,534
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,790
−HK$259/mo
Today · 4.125%
HK$10,049
baseline
▲ 0.50% · 4.625%
HK$10,579
+HK$530/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,098/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$10,284
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,604
−HK$325/mo
Today · 4.125%
HK$10,929
baseline
▲ 0.50% · 4.625%
HK$11,594
+HK$665/mo
Deposit HK$1.50M · loan HK$2.26M · min. income ≈ HK$21,858/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$11,441
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,748
−HK$311/mo
Today · 4.125%
HK$12,059
baseline
▲ 0.50% · 4.625%
HK$12,695
+HK$636/mo
Deposit HK$1.50M · loan HK$2.26M · min. income ≈ HK$24,118/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$11,998
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,371
−HK$379/mo
Today · 4.125%
HK$12,750
baseline
▲ 0.50% · 4.625%
HK$13,526
+HK$776/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,500/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$13,348
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,706
−HK$363/mo
Today · 4.125%
HK$14,069
baseline
▲ 0.50% · 4.625%
HK$14,810
+HK$741/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,138/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$15,426
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,906
−HK$487/mo
Today · 4.125%
HK$16,393
baseline
▲ 0.50% · 4.625%
HK$17,391
+HK$998/mo
Deposit HK$376K · loan HK$3.38M · min. income ≈ HK$32,786/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$17,161
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,622
−HK$466/mo
Today · 4.125%
HK$18,088
baseline
▲ 0.50% · 4.625%
HK$19,042
+HK$954/mo
Deposit HK$376K · loan HK$3.38M · min. income ≈ HK$36,176/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).