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$8,520
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,785
−HK$270/mo
Today · 4.125%
HK$9,055
baseline
▲ 0.50% · 4.625%
HK$9,605
+HK$550/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,110/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$9,479
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,733
−HK$258/mo
Today · 4.125%
HK$9,991
baseline
▲ 0.50% · 4.625%
HK$10,517
+HK$526/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,982/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$10,224
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,542
−HK$323/mo
Today · 4.125%
HK$10,865
baseline
▲ 0.50% · 4.625%
HK$11,527
+HK$662/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,730/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,374
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,679
−HK$310/mo
Today · 4.125%
HK$11,989
baseline
▲ 0.50% · 4.625%
HK$12,621
+HK$632/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,978/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,928
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,299
−HK$377/mo
Today · 4.125%
HK$12,676
baseline
▲ 0.50% · 4.625%
HK$13,448
+HK$772/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,352/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$13,270
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,626
−HK$361/mo
Today · 4.125%
HK$13,987
baseline
▲ 0.50% · 4.625%
HK$14,724
+HK$737/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$27,974/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$15,336
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,813
−HK$485/mo
Today · 4.125%
HK$16,298
baseline
▲ 0.50% · 4.625%
HK$17,290
+HK$992/mo
Deposit HK$374K · loan HK$3.36M · min. income ≈ HK$32,596/mo (50% DSR)
Upfront cash ≈ HK$374K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,062
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,519
−HK$464/mo
Today · 4.125%
HK$17,983
baseline
▲ 0.50% · 4.625%
HK$18,931
+HK$948/mo
Deposit HK$374K · loan HK$3.36M · min. income ≈ HK$35,966/mo (50% DSR)
Upfront cash ≈ HK$374K (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).