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$8,550
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,816
−HK$270/mo
Today · 4.125%
HK$9,086
baseline
▲ 0.50% · 4.625%
HK$9,639
+HK$553/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,172/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$9,511
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,766
−HK$259/mo
Today · 4.125%
HK$10,025
baseline
▲ 0.50% · 4.625%
HK$10,554
+HK$529/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,050/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$10,260
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,579
−HK$324/mo
Today · 4.125%
HK$10,903
baseline
▲ 0.50% · 4.625%
HK$11,566
+HK$663/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,806/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$11,414
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,720
−HK$310/mo
Today · 4.125%
HK$12,030
baseline
▲ 0.50% · 4.625%
HK$12,664
+HK$634/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,060/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$11,969
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,342
−HK$378/mo
Today · 4.125%
HK$12,720
baseline
▲ 0.50% · 4.625%
HK$13,494
+HK$774/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,440/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$13,316
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,673
−HK$362/mo
Today · 4.125%
HK$14,035
baseline
▲ 0.50% · 4.625%
HK$14,775
+HK$740/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,070/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$15,389
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,868
−HK$486/mo
Today · 4.125%
HK$16,354
baseline
▲ 0.50% · 4.625%
HK$17,350
+HK$996/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$32,708/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$17,120
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,580
−HK$465/mo
Today · 4.125%
HK$18,045
baseline
▲ 0.50% · 4.625%
HK$18,997
+HK$952/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$36,090/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).