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$8,512
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,776
−HK$269/mo
Today · 4.125%
HK$9,045
baseline
▲ 0.50% · 4.625%
HK$9,596
+HK$551/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,090/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$9,469
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,723
−HK$258/mo
Today · 4.125%
HK$9,981
baseline
▲ 0.50% · 4.625%
HK$10,507
+HK$526/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,962/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$10,214
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,532
−HK$323/mo
Today · 4.125%
HK$10,855
baseline
▲ 0.50% · 4.625%
HK$11,515
+HK$660/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,710/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$11,363
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,668
−HK$309/mo
Today · 4.125%
HK$11,977
baseline
▲ 0.50% · 4.625%
HK$12,608
+HK$631/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,954/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$11,916
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,287
−HK$377/mo
Today · 4.125%
HK$12,664
baseline
▲ 0.50% · 4.625%
HK$13,434
+HK$770/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,328/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$13,257
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,612
−HK$361/mo
Today · 4.125%
HK$13,973
baseline
▲ 0.50% · 4.625%
HK$14,710
+HK$737/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,946/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$15,321
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,798
−HK$484/mo
Today · 4.125%
HK$16,282
baseline
▲ 0.50% · 4.625%
HK$17,273
+HK$991/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$32,564/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$17,045
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,502
−HK$463/mo
Today · 4.125%
HK$17,965
baseline
▲ 0.50% · 4.625%
HK$18,912
+HK$947/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$35,930/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).