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$8,518
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,783
−HK$269/mo
Today · 4.125%
HK$9,052
baseline
▲ 0.50% · 4.625%
HK$9,603
+HK$551/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,104/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$9,476
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,730
−HK$258/mo
Today · 4.125%
HK$9,988
baseline
▲ 0.50% · 4.625%
HK$10,515
+HK$527/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,976/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$10,222
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,540
−HK$323/mo
Today · 4.125%
HK$10,863
baseline
▲ 0.50% · 4.625%
HK$11,524
+HK$661/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,726/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$11,371
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,676
−HK$310/mo
Today · 4.125%
HK$11,986
baseline
▲ 0.50% · 4.625%
HK$12,618
+HK$632/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,972/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$11,925
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,296
−HK$377/mo
Today · 4.125%
HK$12,673
baseline
▲ 0.50% · 4.625%
HK$13,444
+HK$771/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,346/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$13,267
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,623
−HK$361/mo
Today · 4.125%
HK$13,984
baseline
▲ 0.50% · 4.625%
HK$14,721
+HK$737/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,968/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$15,332
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,809
−HK$485/mo
Today · 4.125%
HK$16,294
baseline
▲ 0.50% · 4.625%
HK$17,285
+HK$991/mo
Deposit HK$374K · loan HK$3.36M · min. income ≈ HK$32,588/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$17,057
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,515
−HK$464/mo
Today · 4.125%
HK$17,979
baseline
▲ 0.50% · 4.625%
HK$18,926
+HK$947/mo
Deposit HK$374K · loan HK$3.36M · min. income ≈ HK$35,958/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).