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$8,538
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,804
−HK$270/mo
Today · 4.125%
HK$9,074
baseline
▲ 0.50% · 4.625%
HK$9,626
+HK$552/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,148/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$9,499
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,754
−HK$258/mo
Today · 4.125%
HK$10,012
baseline
▲ 0.50% · 4.625%
HK$10,540
+HK$528/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,024/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$10,246
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,565
−HK$324/mo
Today · 4.125%
HK$10,889
baseline
▲ 0.50% · 4.625%
HK$11,551
+HK$662/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,778/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$11,399
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,704
−HK$311/mo
Today · 4.125%
HK$12,015
baseline
▲ 0.50% · 4.625%
HK$12,648
+HK$633/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,030/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$11,954
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,326
−HK$377/mo
Today · 4.125%
HK$12,703
baseline
▲ 0.50% · 4.625%
HK$13,476
+HK$773/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,406/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$13,299
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,655
−HK$362/mo
Today · 4.125%
HK$14,017
baseline
▲ 0.50% · 4.625%
HK$14,756
+HK$739/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,034/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$15,369
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,847
−HK$486/mo
Today · 4.125%
HK$16,333
baseline
▲ 0.50% · 4.625%
HK$17,327
+HK$994/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$32,666/mo (50% DSR)
Upfront cash ≈ HK$375K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,098
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,557
−HK$465/mo
Today · 4.125%
HK$18,022
baseline
▲ 0.50% · 4.625%
HK$18,972
+HK$950/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$36,044/mo (50% DSR)
Upfront cash ≈ HK$375K (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).