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$8,556
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,822
−HK$270/mo
Today · 4.125%
HK$9,092
baseline
▲ 0.50% · 4.625%
HK$9,646
+HK$554/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,184/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$9,518
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,773
−HK$259/mo
Today · 4.125%
HK$10,032
baseline
▲ 0.50% · 4.625%
HK$10,561
+HK$529/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,064/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$10,267
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,586
−HK$325/mo
Today · 4.125%
HK$10,911
baseline
▲ 0.50% · 4.625%
HK$11,575
+HK$664/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,822/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$11,422
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,728
−HK$311/mo
Today · 4.125%
HK$12,039
baseline
▲ 0.50% · 4.625%
HK$12,674
+HK$635/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,078/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$11,978
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,351
−HK$378/mo
Today · 4.125%
HK$12,729
baseline
▲ 0.50% · 4.625%
HK$13,504
+HK$775/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,458/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$13,326
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,683
−HK$362/mo
Today · 4.125%
HK$14,045
baseline
▲ 0.50% · 4.625%
HK$14,786
+HK$741/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,090/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$15,400
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,879
−HK$487/mo
Today · 4.125%
HK$16,366
baseline
▲ 0.50% · 4.625%
HK$17,362
+HK$996/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$32,732/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$17,133
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,592
−HK$466/mo
Today · 4.125%
HK$18,058
baseline
▲ 0.50% · 4.625%
HK$19,010
+HK$952/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$36,116/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).