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$8,548
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,814
−HK$270/mo
Today · 4.125%
HK$9,084
baseline
▲ 0.50% · 4.625%
HK$9,637
+HK$553/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,168/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$9,509
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,764
−HK$259/mo
Today · 4.125%
HK$10,023
baseline
▲ 0.50% · 4.625%
HK$10,551
+HK$528/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,046/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$10,257
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,576
−HK$325/mo
Today · 4.125%
HK$10,901
baseline
▲ 0.50% · 4.625%
HK$11,564
+HK$663/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,802/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$11,411
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,717
−HK$311/mo
Today · 4.125%
HK$12,028
baseline
▲ 0.50% · 4.625%
HK$12,662
+HK$634/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,056/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$11,967
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,339
−HK$378/mo
Today · 4.125%
HK$12,717
baseline
▲ 0.50% · 4.625%
HK$13,491
+HK$774/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,434/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$13,313
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,670
−HK$362/mo
Today · 4.125%
HK$14,032
baseline
▲ 0.50% · 4.625%
HK$14,772
+HK$740/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,064/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$15,386
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,865
−HK$486/mo
Today · 4.125%
HK$16,351
baseline
▲ 0.50% · 4.625%
HK$17,346
+HK$995/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$32,702/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$17,117
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,576
−HK$466/mo
Today · 4.125%
HK$18,042
baseline
▲ 0.50% · 4.625%
HK$18,993
+HK$951/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$36,084/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).