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$8,510
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,775
−HK$269/mo
Today · 4.125%
HK$9,044
baseline
▲ 0.50% · 4.625%
HK$9,594
+HK$550/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,088/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$512/mo
▼ 0.25% · 3.875%
HK$9,721
−HK$258/mo
Today · 4.125%
HK$9,979
baseline
▲ 0.50% · 4.625%
HK$10,505
+HK$526/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,958/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$10,212
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,530
−HK$322/mo
Today · 4.125%
HK$10,852
baseline
▲ 0.50% · 4.625%
HK$11,513
+HK$661/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$11,361
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,665
−HK$310/mo
Today · 4.125%
HK$11,975
baseline
▲ 0.50% · 4.625%
HK$12,606
+HK$631/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,950/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$11,914
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,285
−HK$376/mo
Today · 4.125%
HK$12,661
baseline
▲ 0.50% · 4.625%
HK$13,431
+HK$770/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,322/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$13,254
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,610
−HK$360/mo
Today · 4.125%
HK$13,970
baseline
▲ 0.50% · 4.625%
HK$14,707
+HK$737/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,940/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$15,318
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,794
−HK$485/mo
Today · 4.125%
HK$16,279
baseline
▲ 0.50% · 4.625%
HK$17,269
+HK$990/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$32,558/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$17,041
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,498
−HK$464/mo
Today · 4.125%
HK$17,962
baseline
▲ 0.50% · 4.625%
HK$18,909
+HK$947/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$35,924/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).