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$8,542
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,808
−HK$270/mo
Today · 4.125%
HK$9,078
baseline
▲ 0.50% · 4.625%
HK$9,630
+HK$552/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,156/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$9,503
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,758
−HK$259/mo
Today · 4.125%
HK$10,017
baseline
▲ 0.50% · 4.625%
HK$10,544
+HK$527/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,034/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$10,251
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,569
−HK$324/mo
Today · 4.125%
HK$10,893
baseline
▲ 0.50% · 4.625%
HK$11,556
+HK$663/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,786/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$11,404
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,710
−HK$310/mo
Today · 4.125%
HK$12,020
baseline
▲ 0.50% · 4.625%
HK$12,653
+HK$633/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,040/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$11,959
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,331
−HK$378/mo
Today · 4.125%
HK$12,709
baseline
▲ 0.50% · 4.625%
HK$13,482
+HK$773/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,418/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,304
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,661
−HK$362/mo
Today · 4.125%
HK$14,023
baseline
▲ 0.50% · 4.625%
HK$14,762
+HK$739/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,046/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,376
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,854
−HK$486/mo
Today · 4.125%
HK$16,340
baseline
▲ 0.50% · 4.625%
HK$17,334
+HK$994/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$32,680/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$17,106
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,564
−HK$466/mo
Today · 4.125%
HK$18,030
baseline
▲ 0.50% · 4.625%
HK$18,980
+HK$950/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$36,060/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).