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$8,550
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,816
−HK$270/mo
Today · 4.125%
HK$9,086
baseline
▲ 0.50% · 4.625%
HK$9,639
+HK$553/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,172/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,512
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,767
−HK$259/mo
Today · 4.125%
HK$10,026
baseline
▲ 0.50% · 4.625%
HK$10,554
+HK$528/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,052/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,260
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,579
−HK$325/mo
Today · 4.125%
HK$10,904
baseline
▲ 0.50% · 4.625%
HK$11,567
+HK$663/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,808/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$11,414
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,721
−HK$310/mo
Today · 4.125%
HK$12,031
baseline
▲ 0.50% · 4.625%
HK$12,665
+HK$634/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,062/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$11,970
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,343
−HK$378/mo
Today · 4.125%
HK$12,721
baseline
▲ 0.50% · 4.625%
HK$13,495
+HK$774/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,442/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$13,317
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,674
−HK$362/mo
Today · 4.125%
HK$14,036
baseline
▲ 0.50% · 4.625%
HK$14,776
+HK$740/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,072/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$15,390
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,869
−HK$487/mo
Today · 4.125%
HK$16,356
baseline
▲ 0.50% · 4.625%
HK$17,351
+HK$995/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$32,712/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$17,122
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,581
−HK$466/mo
Today · 4.125%
HK$18,047
baseline
▲ 0.50% · 4.625%
HK$18,998
+HK$951/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$36,094/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).