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$8,530
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,796
−HK$269/mo
Today · 4.125%
HK$9,065
baseline
▲ 0.50% · 4.625%
HK$9,617
+HK$552/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,130/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$9,490
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,745
−HK$258/mo
Today · 4.125%
HK$10,003
baseline
▲ 0.50% · 4.625%
HK$10,530
+HK$527/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,006/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$10,237
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,555
−HK$323/mo
Today · 4.125%
HK$10,878
baseline
▲ 0.50% · 4.625%
HK$11,540
+HK$662/mo
Deposit HK$1.50M · loan HK$2.24M · min. income ≈ HK$21,756/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$11,388
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,694
−HK$309/mo
Today · 4.125%
HK$12,003
baseline
▲ 0.50% · 4.625%
HK$12,636
+HK$633/mo
Deposit HK$1.50M · loan HK$2.24M · min. income ≈ HK$24,006/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$11,943
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,314
−HK$378/mo
Today · 4.125%
HK$12,692
baseline
▲ 0.50% · 4.625%
HK$13,464
+HK$772/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,384/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$13,286
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,642
−HK$362/mo
Today · 4.125%
HK$14,004
baseline
▲ 0.50% · 4.625%
HK$14,742
+HK$738/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,008/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$15,355
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,832
−HK$486/mo
Today · 4.125%
HK$16,318
baseline
▲ 0.50% · 4.625%
HK$17,311
+HK$993/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$32,636/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$17,082
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,540
−HK$465/mo
Today · 4.125%
HK$18,005
baseline
▲ 0.50% · 4.625%
HK$18,954
+HK$949/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$36,010/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).