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$8,531
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,797
−HK$269/mo
Today · 4.125%
HK$9,066
baseline
▲ 0.50% · 4.625%
HK$9,618
+HK$552/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,132/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$9,491
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,746
−HK$258/mo
Today · 4.125%
HK$10,004
baseline
▲ 0.50% · 4.625%
HK$10,531
+HK$527/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,008/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$10,238
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,556
−HK$324/mo
Today · 4.125%
HK$10,880
baseline
▲ 0.50% · 4.625%
HK$11,542
+HK$662/mo
Deposit HK$1.50M · loan HK$2.24M · min. income ≈ HK$21,760/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$11,389
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,695
−HK$310/mo
Today · 4.125%
HK$12,005
baseline
▲ 0.50% · 4.625%
HK$12,638
+HK$633/mo
Deposit HK$1.50M · loan HK$2.24M · min. income ≈ HK$24,010/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$11,944
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,316
−HK$377/mo
Today · 4.125%
HK$12,693
baseline
▲ 0.50% · 4.625%
HK$13,465
+HK$772/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,386/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$13,288
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,644
−HK$362/mo
Today · 4.125%
HK$14,006
baseline
▲ 0.50% · 4.625%
HK$14,744
+HK$738/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,012/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$15,357
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,834
−HK$486/mo
Today · 4.125%
HK$16,320
baseline
▲ 0.50% · 4.625%
HK$17,313
+HK$993/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$32,640/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$17,084
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,542
−HK$465/mo
Today · 4.125%
HK$18,007
baseline
▲ 0.50% · 4.625%
HK$18,956
+HK$949/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$36,014/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).