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$8,537
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,803
−HK$270/mo
Today · 4.125%
HK$9,073
baseline
▲ 0.50% · 4.625%
HK$9,625
+HK$552/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,146/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$9,498
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,752
−HK$259/mo
Today · 4.125%
HK$10,011
baseline
▲ 0.50% · 4.625%
HK$10,538
+HK$527/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,022/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$10,245
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,563
−HK$324/mo
Today · 4.125%
HK$10,887
baseline
▲ 0.50% · 4.625%
HK$11,550
+HK$663/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,774/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$11,397
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,703
−HK$310/mo
Today · 4.125%
HK$12,013
baseline
▲ 0.50% · 4.625%
HK$12,646
+HK$633/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,026/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$11,952
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,324
−HK$378/mo
Today · 4.125%
HK$12,702
baseline
▲ 0.50% · 4.625%
HK$13,475
+HK$773/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,404/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$13,297
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,653
−HK$362/mo
Today · 4.125%
HK$14,015
baseline
▲ 0.50% · 4.625%
HK$14,754
+HK$739/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,030/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$15,367
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,845
−HK$486/mo
Today · 4.125%
HK$16,331
baseline
▲ 0.50% · 4.625%
HK$17,324
+HK$993/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$32,662/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$17,096
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,554
−HK$465/mo
Today · 4.125%
HK$18,019
baseline
▲ 0.50% · 4.625%
HK$18,969
+HK$950/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$36,038/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).