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$8,517
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,782
−HK$269/mo
Today · 4.125%
HK$9,051
baseline
▲ 0.50% · 4.625%
HK$9,602
+HK$551/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,102/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$9,475
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,729
−HK$258/mo
Today · 4.125%
HK$9,987
baseline
▲ 0.50% · 4.625%
HK$10,513
+HK$526/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,974/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$10,220
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,538
−HK$323/mo
Today · 4.125%
HK$10,861
baseline
▲ 0.50% · 4.625%
HK$11,522
+HK$661/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,722/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$11,370
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,675
−HK$309/mo
Today · 4.125%
HK$11,984
baseline
▲ 0.50% · 4.625%
HK$12,616
+HK$632/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,968/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$11,924
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,295
−HK$377/mo
Today · 4.125%
HK$12,672
baseline
▲ 0.50% · 4.625%
HK$13,443
+HK$771/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,344/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$13,265
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,621
−HK$361/mo
Today · 4.125%
HK$13,982
baseline
▲ 0.50% · 4.625%
HK$14,719
+HK$737/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,964/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$15,331
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,807
−HK$485/mo
Today · 4.125%
HK$16,292
baseline
▲ 0.50% · 4.625%
HK$17,283
+HK$991/mo
Deposit HK$374K · loan HK$3.36M · min. income ≈ HK$32,584/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$17,055
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,513
−HK$464/mo
Today · 4.125%
HK$17,977
baseline
▲ 0.50% · 4.625%
HK$18,924
+HK$947/mo
Deposit HK$374K · loan HK$3.36M · min. income ≈ HK$35,954/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).