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$8,509
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,774
−HK$269/mo
Today · 4.125%
HK$9,043
baseline
▲ 0.50% · 4.625%
HK$9,593
+HK$550/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,086/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$9,467
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,720
−HK$258/mo
Today · 4.125%
HK$9,978
baseline
▲ 0.50% · 4.625%
HK$10,504
+HK$526/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,956/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$10,211
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,529
−HK$323/mo
Today · 4.125%
HK$10,852
baseline
▲ 0.50% · 4.625%
HK$11,512
+HK$660/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,704/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$11,360
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,665
−HK$309/mo
Today · 4.125%
HK$11,974
baseline
▲ 0.50% · 4.625%
HK$12,605
+HK$631/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,948/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$11,913
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,284
−HK$376/mo
Today · 4.125%
HK$12,660
baseline
▲ 0.50% · 4.625%
HK$13,431
+HK$771/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,320/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$13,253
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,609
−HK$360/mo
Today · 4.125%
HK$13,969
baseline
▲ 0.50% · 4.625%
HK$14,706
+HK$737/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,938/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$15,317
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,793
−HK$484/mo
Today · 4.125%
HK$16,277
baseline
▲ 0.50% · 4.625%
HK$17,268
+HK$991/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$32,554/mo (50% DSR)
Upfront cash ≈ HK$373K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,040
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,497
−HK$463/mo
Today · 4.125%
HK$17,960
baseline
▲ 0.50% · 4.625%
HK$18,907
+HK$947/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$35,920/mo (50% DSR)
Upfront cash ≈ HK$373K (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).