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$8,534
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,799
−HK$270/mo
Today · 4.125%
HK$9,069
baseline
▲ 0.50% · 4.625%
HK$9,621
+HK$552/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,138/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$9,494
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,748
−HK$259/mo
Today · 4.125%
HK$10,007
baseline
▲ 0.50% · 4.625%
HK$10,534
+HK$527/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,014/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$10,240
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,559
−HK$324/mo
Today · 4.125%
HK$10,883
baseline
▲ 0.50% · 4.625%
HK$11,545
+HK$662/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,766/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$11,392
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,698
−HK$310/mo
Today · 4.125%
HK$12,008
baseline
▲ 0.50% · 4.625%
HK$12,641
+HK$633/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,016/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$11,947
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,319
−HK$377/mo
Today · 4.125%
HK$12,696
baseline
▲ 0.50% · 4.625%
HK$13,469
+HK$773/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,392/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$13,291
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,648
−HK$361/mo
Today · 4.125%
HK$14,009
baseline
▲ 0.50% · 4.625%
HK$14,748
+HK$739/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,018/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$15,361
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,838
−HK$486/mo
Today · 4.125%
HK$16,324
baseline
▲ 0.50% · 4.625%
HK$17,317
+HK$993/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$32,648/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$17,089
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,547
−HK$465/mo
Today · 4.125%
HK$18,012
baseline
▲ 0.50% · 4.625%
HK$18,961
+HK$949/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$36,024/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).