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$8,541
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,807
−HK$270/mo
Today · 4.125%
HK$9,077
baseline
▲ 0.50% · 4.625%
HK$9,629
+HK$552/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,154/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$9,502
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,757
−HK$259/mo
Today · 4.125%
HK$10,016
baseline
▲ 0.50% · 4.625%
HK$10,544
+HK$528/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,032/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$10,250
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,569
−HK$323/mo
Today · 4.125%
HK$10,892
baseline
▲ 0.50% · 4.625%
HK$11,555
+HK$663/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,784/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$11,403
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,709
−HK$310/mo
Today · 4.125%
HK$12,019
baseline
▲ 0.50% · 4.625%
HK$12,652
+HK$633/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,038/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$11,958
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,330
−HK$378/mo
Today · 4.125%
HK$12,708
baseline
▲ 0.50% · 4.625%
HK$13,481
+HK$773/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,416/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$13,303
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,660
−HK$362/mo
Today · 4.125%
HK$14,022
baseline
▲ 0.50% · 4.625%
HK$14,761
+HK$739/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,044/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$15,375
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,853
−HK$486/mo
Today · 4.125%
HK$16,339
baseline
▲ 0.50% · 4.625%
HK$17,333
+HK$994/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$32,678/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$17,104
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,563
−HK$465/mo
Today · 4.125%
HK$18,028
baseline
▲ 0.50% · 4.625%
HK$18,978
+HK$950/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$36,056/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).