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$8,576
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,843
−HK$271/mo
Today · 4.125%
HK$9,114
baseline
▲ 0.50% · 4.625%
HK$9,668
+HK$554/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,228/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$9,540
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,796
−HK$260/mo
Today · 4.125%
HK$10,056
baseline
▲ 0.50% · 4.625%
HK$10,586
+HK$530/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,112/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$10,291
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,611
−HK$325/mo
Today · 4.125%
HK$10,936
baseline
▲ 0.50% · 4.625%
HK$11,602
+HK$666/mo
Deposit HK$1.50M · loan HK$2.26M · min. income ≈ HK$21,872/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$11,449
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,756
−HK$311/mo
Today · 4.125%
HK$12,067
baseline
▲ 0.50% · 4.625%
HK$12,703
+HK$636/mo
Deposit HK$1.50M · loan HK$2.26M · min. income ≈ HK$24,134/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$12,006
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,380
−HK$379/mo
Today · 4.125%
HK$12,759
baseline
▲ 0.50% · 4.625%
HK$13,535
+HK$776/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,518/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$13,357
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,715
−HK$363/mo
Today · 4.125%
HK$14,078
baseline
▲ 0.50% · 4.625%
HK$14,820
+HK$742/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,156/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$15,436
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,917
−HK$487/mo
Today · 4.125%
HK$16,404
baseline
▲ 0.50% · 4.625%
HK$17,403
+HK$999/mo
Deposit HK$376K · loan HK$3.38M · min. income ≈ HK$32,808/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$17,173
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,633
−HK$468/mo
Today · 4.125%
HK$18,101
baseline
▲ 0.50% · 4.625%
HK$19,055
+HK$954/mo
Deposit HK$376K · loan HK$3.38M · min. income ≈ HK$36,202/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).