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$8,540
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,806
−HK$270/mo
Today · 4.125%
HK$9,076
baseline
▲ 0.50% · 4.625%
HK$9,628
+HK$552/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,152/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$9,501
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,756
−HK$258/mo
Today · 4.125%
HK$10,014
baseline
▲ 0.50% · 4.625%
HK$10,542
+HK$528/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,028/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$10,248
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,567
−HK$324/mo
Today · 4.125%
HK$10,891
baseline
▲ 0.50% · 4.625%
HK$11,554
+HK$663/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,782/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$11,401
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,707
−HK$310/mo
Today · 4.125%
HK$12,017
baseline
▲ 0.50% · 4.625%
HK$12,650
+HK$633/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,034/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$11,956
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,328
−HK$378/mo
Today · 4.125%
HK$12,706
baseline
▲ 0.50% · 4.625%
HK$13,479
+HK$773/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,412/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$13,301
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,658
−HK$362/mo
Today · 4.125%
HK$14,020
baseline
▲ 0.50% · 4.625%
HK$14,759
+HK$739/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,040/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$15,372
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,850
−HK$486/mo
Today · 4.125%
HK$16,336
baseline
▲ 0.50% · 4.625%
HK$17,330
+HK$994/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$32,672/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$17,101
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,560
−HK$465/mo
Today · 4.125%
HK$18,025
baseline
▲ 0.50% · 4.625%
HK$18,976
+HK$951/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$36,050/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).