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$8,554
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,820
−HK$270/mo
Today · 4.125%
HK$9,090
baseline
▲ 0.50% · 4.625%
HK$9,643
+HK$553/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,180/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$9,516
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,771
−HK$259/mo
Today · 4.125%
HK$10,030
baseline
▲ 0.50% · 4.625%
HK$10,559
+HK$529/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,060/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$10,265
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,584
−HK$324/mo
Today · 4.125%
HK$10,908
baseline
▲ 0.50% · 4.625%
HK$11,572
+HK$664/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,816/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$11,419
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,726
−HK$310/mo
Today · 4.125%
HK$12,036
baseline
▲ 0.50% · 4.625%
HK$12,671
+HK$635/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,072/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$11,975
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,348
−HK$378/mo
Today · 4.125%
HK$12,726
baseline
▲ 0.50% · 4.625%
HK$13,501
+HK$775/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,452/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$13,323
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,680
−HK$362/mo
Today · 4.125%
HK$14,042
baseline
▲ 0.50% · 4.625%
HK$14,782
+HK$740/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,084/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$15,397
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,876
−HK$486/mo
Today · 4.125%
HK$16,362
baseline
▲ 0.50% · 4.625%
HK$17,358
+HK$996/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$32,724/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$17,129
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,588
−HK$466/mo
Today · 4.125%
HK$18,054
baseline
▲ 0.50% · 4.625%
HK$19,006
+HK$952/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$36,108/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).