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$8,527
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,792
−HK$269/mo
Today · 4.125%
HK$9,061
baseline
▲ 0.50% · 4.625%
HK$9,613
+HK$552/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,122/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$9,486
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,740
−HK$258/mo
Today · 4.125%
HK$9,998
baseline
▲ 0.50% · 4.625%
HK$10,525
+HK$527/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,996/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$10,232
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,550
−HK$324/mo
Today · 4.125%
HK$10,874
baseline
▲ 0.50% · 4.625%
HK$11,535
+HK$661/mo
Deposit HK$1.50M · loan HK$2.24M · min. income ≈ HK$21,748/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$11,383
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,688
−HK$310/mo
Today · 4.125%
HK$11,998
baseline
▲ 0.50% · 4.625%
HK$12,631
+HK$633/mo
Deposit HK$1.50M · loan HK$2.24M · min. income ≈ HK$23,996/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$11,938
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,309
−HK$377/mo
Today · 4.125%
HK$12,686
baseline
▲ 0.50% · 4.625%
HK$13,458
+HK$772/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,372/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$13,280
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,637
−HK$361/mo
Today · 4.125%
HK$13,998
baseline
▲ 0.50% · 4.625%
HK$14,736
+HK$738/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$27,996/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$15,348
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,826
−HK$485/mo
Today · 4.125%
HK$16,311
baseline
▲ 0.50% · 4.625%
HK$17,303
+HK$992/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$32,622/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$17,075
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,533
−HK$464/mo
Today · 4.125%
HK$17,997
baseline
▲ 0.50% · 4.625%
HK$18,946
+HK$949/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$35,994/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).